Ming Lo is a financial advisor with Charles Schwab, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. His prior work includes 18 years at TD Ameritrade, Inc. He is based in San Ramon, CA. Charles Schwab serves a large client base of primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary and discretionary portfolio management alongside brokerage and custody services. Schwab’s integrated structure combines centralized supervision and multi-asset investment guidance with access to alternative investments and cash-sweep solutions.

Brendan Noonan is a CFP®-certified financial advisor with 14 years of industry experience, currently with Raymond James Financial Services Advisors, Inc. He previously worked at Sgc Financial and Securian Financial Services Inc. for 11 years. He also serves as an independent contractor financial advisor at Summit Financial Group. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and utilizes analytical tools to support client goals, with specialized municipal and public finance capabilities.

Michael Herberger is a financial advisor with Cetera, holding a Series 66 designation and 25 years of industry experience. He has worked at Cetera since 2021, previously serving at VOYA Financial Advisors and Osaic FA, Inc. Michael is also an independent insurance agent involved in the sales of fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party managers, with over $256 billion in assets under management across more than 10,000 advisors.

Steven Pugh is a financial advisor with Osaic Wealth, Inc. based in San Ramon, CA. He holds a Series 66 designation and has 28 years of industry experience, including prior roles at Lincoln Financial Advisors and Mass Mutual Investors Services. Outside of his advisory work, Pugh is an assistant coach for a junior varsity high school baseball team and serves as an office manager for a dental practice. Osaic Wealth, Inc. serves a diverse client base of retail and institutional investors through a large network of affiliated advisers and multiple advisory platforms. The firm employs asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct portfolios across various asset classes, offering both discretionary and non-discretionary management options.

Adam Massey is a financial advisor at Fidelity with seven years of industry experience. He holds the Series 63 and Series 66 designations and previously worked at Wells Fargo Clearing Services and Wells Fargo Bank. Outside of his advisory role, Massey operates a photography services business as an independent contractor. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.

Chase Young is a financial advisor at OSAIC with 10 years of industry experience. He holds a Series 66 designation and previously worked at Lincoln Financial Advisors, Mass Mutual Investors Services, and MetLife Securities. In addition to his advisory role, he is also licensed to offer various insurance products, including accident, health, disability, long-term care, and life insurance, as well as fixed and equity-indexed annuities. OSAIC serves a diverse client base, including retail and institutional investors, through a large network of advisers and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, using asset-allocation tools and risk assessments to construct portfolios that may include a range of securities and alternative investments.

Mohammad Reza Shabani is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked at JPMorgan Chase Bank and Wells Fargo prior to his current role. 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. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering advisory services on a non-discretionary basis.

Milad Javaherian is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. He holds Series 63 and Series 66 designations. His prior work includes roles at Morgan Stanley Private Bank, Morgan Stanley, and various Wells Fargo entities. 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 broader investment menu that includes insurance-related vehicles and bank deposit sweep options.

Nadeem Alam is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. He holds Series 63, 65, and 66 credentials and has been with J.P. Morgan Securities LLC since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm’s approach combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Jennifer Hamilton is a financial advisor at Edward Jones with a Series 66 designation and three years of industry experience. She has been with Edward Jones since 2023 and is also the president and owner of HamBar Investments, Inc., a restaurant business operating MJ's Downtown Cafe & Bakery since 2010. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm operates under a fiduciary standard and maintains a large network of advisors and branch offices across the country.

Rajani Gangalvoi is a financial advisor with Charles Schwab based in San Ramon, CA, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. Prior to joining Schwab in 2021, she worked at Wells Fargo in various roles from 2015 to 2021. Outside of her advisory work, she serves as vice president and board member of the nonprofit Tri Valley Kannada Sangha. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals, offering integrated advisory, brokerage, custody, and cash management services through its Schwab Wealth Advisory program and affiliated managed accounts. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and has a distinctive operational model that supports a broad range of client needs.

Michael Kofford is a financial advisor at Charles Schwab with five years of industry experience. He holds a Series 66 designation and previously worked at Wells Fargo Clearing Services LLC and Wells Fargo Bank NA. Outside of his advisory role, he serves as a board member for Loaves and Fishes of Contra Costa, a nonprofit organization. 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, utilizing multi-asset model portfolios and research from the Schwab Center for Financial Research.

James Benke is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 20 years of industry experience. He has worked at Wells Fargo Bank since 2005 and has been with Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC. 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 approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Christopher Zonca is a financial advisor at OSAIC with 27 years of industry experience. He previously worked at Lincoln Financial Advisors Corporation for 26 years. In addition to his advisory role, he is licensed as an insurance agent and offers disability insurance, fixed and indexed annuities, long-term care insurance, and traditional life insurance. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisers, providing integrated brokerage and investment advisory services. The firm employs various portfolio construction tools and supports discretionary and non-discretionary account management, including access to third-party money managers and multiple advisory platforms.

Michael Schomaker is a CFP® with 11 years of industry experience, currently serving as a financial advisor at Raymond James Financial. He previously worked at Securian Financial Services Inc. and Minnesota Life for eight years. Outside of his advisory role, he owns a rental property. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a wide range of clients, including individuals, corporations, and institutional accounts. The firm employs a non-discretionary, tailored approach utilizing risk profiling and modeling tools to support client goals and offers specialized services such as municipal advisory and SIMPLE IRA employer consulting.

Jensen Dansie is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. His career includes roles at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2014. J.P. Morgan Securities LLC provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Badrakhmaa Bukhkhuu is a financial advisor with J.P. Morgan Securities in Concord, CA, holding Series 63 and Series 65 licenses and three years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A. in 2022, Bukhkhuu worked at Bank of America from 2018 to 2021 and briefly at Kirala Sushi. J.P. Morgan Securities provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, utilizing a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm offers non-discretionary advice through a select group of Wealth Advisors, focusing on approved funds and strategies.

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.

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.

Brandon Cheng is a financial advisor at Fidelity with seven years of industry experience. He holds a Series 66 designation and has worked at Fidelity Brokerage Services since 2019, with prior roles at Patelco Credit Union, CUSO Financial Services, and Gray Matter Elite. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm utilizes a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios and advises multiple registered investment companies.