Mike Chang is a financial advisor at Charles Schwab with 27 years of industry experience. He holds Series 63 and Series 66 designations and has been with Charles Schwab since 1999, including 21 years at Charles Schwab Bank in Berkeley, CA. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of advisory, brokerage, custody, and financial planning services. The firm’s investment approach includes multi-asset model portfolios with both non-discretionary and discretionary managed account options.

David Ninekirk is a financial advisor with Charles Schwab in San Ramon, CA, holding CFP®, Series 63, and Series 66 designations. He has 34 years of industry experience, including over two decades with Charles Schwab 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 management, utilizing multi-asset model portfolios and centralized custody and order-routing systems.

Paolo Coronel is an Investment Consultant at Fidelity Investments, where he has been serving clients since 2025. He collaborates with clients to help them develop financial strategies tailored to their retirement, wealth management, and overall financial well-being. Paolo leverages Fidelity's broad resources to provide insight and support for important financial decisions. Prior to his current role, Paolo worked as a Planning Consultant at Fidelity Investments from 2023 to 2025. He also has experience as an Associate Advisor and Paraplanner at Insight Wealth Strategies, LLC between 2019 and 2023, and began his career as a Paraplanner at Ameriprise Financial Services from 2018 to 2019. Paolo holds a California Insurance License and is a Certified Financial Planner (CFP®) professional. Outside of his professional work, Paolo has interests in cooking and baking, golf, music, and theater.

Diane Van Nostrand is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 65 designations and bringing 35 years of industry experience. Her prior work includes roles at Dunhill Financial, Citigroup Global Markets, and UBS Financial Services. She also serves as a FINRA arbitrator, participating in the resolution of securities-related disputes. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a wide range of advisory programs for individual and institutional clients, including comprehensive financial planning supported by firm-approved tools and modeling techniques.

Connor Gray is a financial advisor at Ameriprise with two years of industry experience. He holds a Series 66 designation and previously worked at Equitable Advisors, LLC. Outside of his advisory role, he owns and operates a shoe resale business. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service that provides ongoing advice and written recommendation reports focused on income sources and tax-aware withdrawal strategies.

Sheena Culp is a CFP® certified financial advisor with 15 years of industry experience. She is currently with OSAIC and has previously worked at Sagepoint Financial Advisors and Wagner, Loftin Investment Services. Culp also serves as a notary public and owns a sole proprietorship selling insurance. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering both brokerage and advisory services through a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization, utilizing various programs such as Unified Managed Accounts and third-party money manager options.

Zenaida Tsung is a Financial Solutions Advisor (FSA) with Merrill Lynch Wealth Management. In her role, she focuses on helping clients develop personalized financial strategies that align with their unique ambitions and priorities. She works with individuals to plan for various financial goals, including funding education, retirement planning, and managing potential healthcare costs. Zenaida's approach involves understanding each client’s personal perspectives to create transparent and straightforward investment plans. Her expertise spans general investing, retirement planning, and preparing for unexpected financial needs. She holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from the University of Texas System. Outside of her advisory work, Zenaida is involved with professional organizations including the Hispanic/Latino Organization for Leadership & Advancement (HOLA) and the Merrill Women's Exchange.

Christopher Ellis is a financial advisor at UBS Financial Services with one year of industry experience. Prior to joining UBS in 2024, he spent three years at Functional Muscle Fitness and has a background in education, having worked at St. Mary’s College of California and De La Salle High School. 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. The firm offers fee-based financial planning, discretionary and non-discretionary portfolio management, and distributes mutual funds and alternative products.

Madison Spiering is a financial advisor at Morgan Stanley with six years of industry experience. She has been with Morgan Stanley Private Bank, N.A. since 2020 and with Morgan Stanley since 2019. Madison holds a Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a wide range of advisory programs and financial planning services that utilize structured discovery processes and firm-approved planning tools.

John Vinci is a financial advisor at UBS Financial Services with 13 years of industry experience. He holds a Series 66 designation and has worked at UBS since 2022. Prior to UBS, he spent 10 years at Charles Schwab and Charles Schwab Bank. Outside of his advisory work, Vinci serves as a basketball league commissioner for Bay Club. UBS Financial Services provides brokerage and investment advisory services to individual, corporate, and institutional clients, offering financial planning, portfolio management, and a range of capital markets services through a large network of advisors.

Shane San Martin is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 26 years of industry experience. He has been with Wells Fargo firms since 2001, including Wells Fargo Investments and Wells Fargo Clearing. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Mark Mathews is a financial advisor at Raymond James & Associates with nine years of industry experience. He holds the Series 66 designation and has worked previously at JPMorgan Chase and Merrill. Outside of his advisory roles, he was involved with The Blue Light from 2018 to 2021. Raymond James & Associates is a large, dually registered broker-dealer and investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services, utilizing fact-finding interviews, risk profiling, and software-driven analyses to build tailored plans.

Jeffrey Coburn is a CFA® charterholder with 18 years of industry experience. He is currently with Morgan Stanley in Walnut Creek, CA, where he has worked since 2023. Prior to joining Morgan Stanley, he spent six years at First Republic Investment Management and affiliated entities. 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, including tailored financial planning that utilizes structured discovery processes and firm-approved tools to model investment outcomes.

Charles Kallgren is a financial advisor with Charles Schwab in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with Charles Schwab Bank and Charles Schwab since 2006. Outside of his advisory role, he serves as President and Director of the Five Bridges Foundation, a nonprofit organization focused on charitable donations in the Bay Area. Charles Schwab 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 combines non-discretionary advisory services with access to discretionary separately managed accounts, offering multi-asset model portfolios and a centralized operational structure.

Michael Heisick is a financial advisor with RBC Capital Markets, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has worked at RBC Capital Markets since 2017, with prior experience at Wells Fargo Clearing, Citigroup Global Markets, and Ameriprise. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs providing portfolio management, financial planning, custody, and brokerage services, utilizing both in-house and third-party investment managers tailored to clients' risk profiles.

Tommy Huynh is a Certified Financial Planner (CFP®) with 10 years of industry experience. He is currently affiliated with Morgan Stanley, where he has worked since 2022, following prior roles at Citigroup and JP Morgan. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a wide range of advisory programs and tailored financial planning services supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial plans.

Anthony Ricardo is a financial advisor with Merrill in Walnut Creek, CA, holding a Series 66 designation and 16 years of industry experience. His career includes roles at Bank of America, Citigroup, Wells Fargo, and Kheystone Management Company, where he is also owner of a commercial property management and equine services business. Ricardo serves as secretary and board member for a nonprofit involved in Bible education. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, institutions, and nonprofit organizations, with portfolio implementation supported by internal and third-party managers.

Mai Gigliotti is a financial advisor at Wells Fargo Clearing with 14 years of industry experience. She holds Series 63 and Series 65 designations and has been with Wells Fargo in various capacities since 2011. 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 data to support its investment decisions.

Jely Lorenzo is a financial advisor with J.P. Morgan Securities in Walnut Creek, CA, holding Series 63 and Series 66 designations and eight years of industry experience. Prior to joining J.P. Morgan Securities, Lorenzo worked at JPMorgan Chase Bank, N.A. and Bank of America. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research with forward-looking capital market assumptions and incorporates an ESG eligibility framework.

Robert Moranville is a CFP® professional with 32 years of industry experience. He is currently affiliated with LPL Financial and has previously worked with Raymond James Financial and Raymond James Financial Services. Moranville has operated Moranville & Associates since 1995. 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 financial planning, model portfolio programs, third-party asset management access, and institutional platforms, providing advice and account management through a large network of investment adviser representatives.