Steven Ramirez is a CFP®, CFA®, and Series 66-licensed advisor with six years of industry experience. He is currently with Cerity Partners LLC, where he has worked since 2022. His prior experience includes roles at Brouwer & Janachowski LLC, Edward Jones, and MBSC Securities Corporation. Cerity Partners serves a broad client base including individuals, families, institutions, and business entities, offering customized wealth management services such as investment management, financial planning, tax services, and retirement plan consulting. The firm’s investment approach combines proprietary quantitative screening and manager selection with access to alternative and private market solutions for qualified clients.

Harrison Kim is a financial advisor at Cerity Partners LLC with Series 65 and Series 63 licenses and four years of industry experience. His work history includes positions at Charles Schwab & Co., Inc. and involvement with Devils Canyon Brewing Company. Cerity Partners serves a diverse client base, including high-net-worth individuals, families, foundations, and institutional investors, managing approximately $166.2 billion in assets as of the end of 2025. The firm offers customized wealth management services using a client-specific investment approach that incorporates both third-party strategies and direct security selection.

Steven Cutcliffe is a financial advisor at Cerity Partners LLC with 20 years of industry experience. He holds a Series 65 designation and previously worked at Abbrea Capital, LLC, GFO Advisory Services, LLC, and CSI Capital Management Inc. Cerity Partners advises a diverse client base including individuals, families, trusts, estates, charitable institutions, and institutional investors, managing approximately $166.2 billion in client assets as of December 31, 2025. The firm offers customized wealth management services and employs a client-specific investment framework that combines quantitative screening, manager selection, and access to alternative and private market solutions.

Monica Foy is a Series 65-licensed financial advisor at Cerity Partners LLC with one year of industry experience. Her prior work includes roles at Humphreys Group, Intuit, H&R Block, and First Republic Bank. Outside of financial advisory, she serves as a bookkeeper for an engineering consulting firm. Cerity Partners advises a diverse client base, including high-net-worth individuals, families, institutions, and business entities, offering customized wealth management services such as investment management, financial planning, and tax services. The firm employs a client-specific investment approach that integrates proprietary quantitative screening, manager selection, and access to alternative and private market solutions.

Austin Krewson is a CFP® with six years of industry experience, currently affiliated with Wealth Enhancement Advisory Services, LLC. He has previously worked at LPL Financial, Titus Wealth Management, and held roles at the University of Central Oklahoma and several private clubs. Wealth Enhancement Advisory Services provides financial planning, asset management, and retirement-plan consulting for individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in assets and employs a diversified, risk-class based investment approach combining passive and active strategies, supported by an internal Investment Committee.

Keely Ford is a financial advisor at Wealthspire Advisors with one year of industry experience. She holds a Series 65 designation and has previously worked at Ernest Packaging Solutions and taught at the middle and high school levels. Ford also has experience with My Universe, LLC and studied at the University of California, Berkeley. Wealthspire Advisors is an SEC-registered investment adviser overseeing approximately $34.3 billion in assets with about 220 advisors and nearly 9,700 clients. The firm serves individuals, including high-net-worth clients, as well as corporate and pension plans, nonprofits, and foundations, offering a range of wealth management and financial planning services using an institutional-style asset allocation framework.

Lachlan Mac Lean is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding a Series 65 designation and eight years of industry experience. His career includes six years at Equius Partners and one year at Nitro Software, Inc. He is currently based in Novato, California. Wealth Enhancement Advisory Services provides financial planning, asset management, and retirement-plan consulting for individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in regulatory assets and offers diversified investment approaches that combine passive and active management with quantitative, momentum, and fundamental analysis.

Jessica Hurd Ensign is a Series 65 licensed advisor with Cerity Partners LLC, where she has worked since 2022. She has prior experience at Brouwer & Janachowski and Copeland Insurance, accumulating over a decade in related sectors. Cerity Partners serves a diverse client base including high-net-worth individuals, families, trusts, institutions, and business entities, offering customized wealth management and investment services. The firm employs a client-specific investment approach combining quantitative screening, manager selection, and direct security selection, with access to alternative and private market solutions for qualified clients.

Erik Kumas is a financial advisor at Commonwealth Financial Network with 14 years of industry experience. He holds the Series 66 designation and has worked at firms including LPL Financial, Kingswood Capital Partners, and Blueprint Wealth Partners. His career includes multiple tenures at Commonwealth Financial Network. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing roughly $213 billion in client assets. The firm provides a broad support platform including managed-account programs, access to third-party asset managers, and custody services.

Anjali Singh is a CFP® with 27 years of industry experience, currently affiliated with Guardian Life and Park Avenue Securities. She has held roles at Guardian Life since 2014 and at Park Avenue Securities since 2024. Outside of her advisory work, she co-leads two scout troops and operates a pet sitting business, Call of the Wild. Park Avenue Securities, a wholly owned subsidiary of The Guardian Life Insurance Company of America, provides brokerage and investment advisory services to individuals, retirement plan sponsors, and charitable organizations. The firm offers a combination of advisor-led discretionary management and model-based strategies through proprietary and third-party platforms, with tailored client relationships that include access to insurance products and alternative investments.

Laurie Gottlieb is a financial advisor with Kestra Advisory, holding Series 63 and Series 65 designations and bringing 31 years of industry experience. Her career includes positions at UBS Financial Services and Banc of America Securities before joining Kestra. Outside of her advisory role, she serves as Secretary of Marin Holistic Health & Acupuncture, Inc., assisting with business matters. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse client base, including institutional and individual investors, offering services such as fiduciary consulting, plan design, and employee education. The firm manages approximately $79.8 billion in assets and works with large institutional clients, including sovereign wealth funds.

Sheila Schroeder is a financial advisor at Wealthspire Advisors with 11 years of industry experience. She holds a Series 63 designation and has worked previously at Private Ocean and Mosaic Financial Partners. Schroeder is active in several nonprofit and community organizations, including serving as Co-Chair of the Bay Area Leadership Council for the Center for Reproductive Rights, a board trustee for the Chautauqua Foundation, and as Co-Founder of Electing Women Bay Area. Wealthspire Advisors is an SEC-registered investment adviser managing approximately $34.3 billion in assets with about 220 advisors. The firm serves individuals, corporate and pension plans, nonprofits, and foundations, using an institutional-style asset allocation framework implemented through a diversified mix of investment vehicles and centralized oversight.

Allison Black is a financial advisor at Cerity Partners LLC with a Series 65 credential and three years of industry experience. She previously worked at Abbrea Capital for nine years and at Kit Cole Investment Advisory Services for one year. Cerity Partners serves a diverse client base including individuals, families, trusts, business entities, and institutional investors, managing approximately $166.2 billion in client assets as of the end of 2025. The firm offers customized wealth management services and employs a client-specific investment framework that integrates proprietary quantitative methods, third-party strategies, and direct security selection.

Michael Blacksburg is a financial advisor at Integrated Wealth Concepts LLC with three years of industry experience. He also serves as principal attorney at Blacksburg Law, a legal practice he has maintained for over 25 years, and has been involved with Continuity Family Business Consulting since 2020. Integrated Wealth Concepts serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent advisors. The firm offers discretionary investment management, financial planning, family office, and retirement plan advisory services, utilizing customized portfolios with a long-term investment approach.

James Nakamine is a financial advisor at Principal Financial Services with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Principal Life Insurance Company since 1998 and Principal Securities Inc. since 1995. In addition to his advisory work, he serves as a council member for All Saints Lutheran Church in Novato, CA, overseeing church administration and budgeting. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and business entities. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Alexandra Scott is a CFP® with five years of industry experience, currently advising at Mariner Wealth Advisors. Her prior roles include positions at Empirical Wealth Management, UBS Financial Services, and Brio Financial Group. Mariner serves a diverse client base including individuals, pension plans, trusts, and charitable organizations, offering investment management, financial planning, retirement plan consulting, and coordinated tax services. The firm employs discretionary, customized portfolios overseen by an Investment Committee and integrates tax and accounting services uncommon for a firm of its size.

Andrew Schumont is a CFP® professional with 20 years of industry experience. He currently works at MAI Capital Management, LLC and previously held roles at Neuberger Berman and Fidelity Investments, including FIDELITY Personal and Workplace Advisors. MAI Capital Management, LLC offers investment management, integrated wealth management, retirement plan consulting, and family-office services to a diverse client base that includes high- and ultra-high-net-worth individuals, families, sports professionals, trusts, and institutional clients. The firm manages customized portfolios across multiple strategies and provides additional services such as trust administration and insurance through its affiliates.

Sarah Wotherspoon is a CFP® and Series 66-registered advisor with 16 years of industry experience. She is currently with Wealthspire Advisors, where she has worked since 2024, following a 15-year tenure at Private Ocean. Wealthspire Advisors serves a diverse client base including individuals, corporations, retirement plans, and nonprofit organizations, providing wealth management, financial planning, and trust-administration services. The firm employs a relationship-driven, customized investment approach emphasizing diversified, institutional-style asset allocation with ongoing due diligence and periodic reviews.

Cottrell Smith is a financial advisor with Schwab Wealth Advisory in Point Richmond, CA, holding a Series 65 license and four years of industry experience. Prior to joining Schwab Wealth Advisory, he worked at Charles Schwab for four years, Wells Fargo for three years, and spent eleven years at the U.S. Department of the Treasury/Internal Revenue Service. Outside of his advisory role, he is involved in property management through ownership of local real estate businesses in Oakland, California. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, offering non-discretionary fiduciary investment advice, financial planning, and wealth management consultations tailored to individual goals and risk tolerance. The firm’s advice is based on Charles Schwab & Co.’s asset allocation models and research tools, and trades require client authorization.

William Osher is a CFA® charterholder and holds a Series 65 license, with 26 years of industry experience. He is currently with Cerity Partners LLC, joining the firm in 2024. His previous roles include positions at Abbrea Capital, LLC, GFO Advisory Services, LLC, CSI Capital Management Inc, Tamalpais Wealth Advisors, and MDT Advisers, a division of Federated MDTA LLC. Cerity Partners serves a diverse client base including high-net-worth individuals, families, trusts, business entities, charitable institutions, and various institutional investors, advising on approximately $166.2 billion in client assets as of year-end 2025. The firm uses customized wealth management strategies focused on client-specific investment profiles and asset allocation, offering access to alternative and private market solutions along with comprehensive financial planning and consulting services.