Alphonse Alexandre is a Financial Consultant at Fidelity Investments, where he has been serving clients since 2021. He brings nearly two decades of experience in financial advisory roles, having worked at several prominent firms including Merrill Lynch and Citibank. His professional background encompasses a range of positions, from Financial Advisor to Financial Solutions Advisor and Personal Banker. Throughout his career, Alphonse has developed expertise in helping clients prepare for and navigate significant life events through personalized financial planning. He holds a California Insurance License, supporting his ability to provide comprehensive financial guidance. Prior to his current role, he held various positions at Merrill Lynch from 2007 to 2021 and at Banc Of America Investment Services in 2006-2007. Outside of his professional responsibilities, Alphonse enjoys family activities and is interested in sports such as golf, soccer, table tennis, and tennis.

Matt Richardson is a Financial Consultant at Fidelity Investments, a role he has held since 2023. He focuses on understanding his clients and collaborating with them to address both immediate and long-term financial questions and concerns. His approach emphasizes integrity, transparency, and collaboration to help clients reduce uncertainty and work towards their most important financial goals. Prior to joining Fidelity Investments, Matt worked in Institutional Fixed Income Sales at JP Morgan Chase from 2018 to 2023 and at Bank of America Merrill Lynch from 2013 to 2018. He holds a California Insurance License.

Jeffrey Wold is a Senior Financial Advisor at Merrill Lynch Wealth Management. He joined Merrill Lynch in 2004, having been recruited from Smith Barney. In his role, Jeffrey utilizes a comprehensive process to understand clients' financial situations and design customized strategies. His approach focuses on organizing, prioritizing, and helping clients realize their financial goals. His client focus areas include Corporate Executive Services, Family Wealth Management Strategies, Legacy Planning, Liquidity Management, Managing New Wealth, Personal Retirement Planning, Portfolio Management Services, Socially Responsible and Values-Based Investing, as well as Individual and Corporate Investment Strategy. Jeffrey holds the Personal Investment Advisor (PIA) designation. He earned his high school diploma from Redwood High School. Outside of his professional work, Jeffrey enjoys outdoor activities such as boating, camping, fishing, hiking, scuba diving, skiing, swimming, and spending time with his family. He is also a PADI Scuba Instructor.

George Aarsheim is a financial advisor with Charles Schwab in Corte Madera, CA, holding a Series 66 designation and one year of industry experience. Prior to rejoining Charles Schwab in 2025, he spent several years in full-time education and worked at Instacart and Marin Country Club. 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 advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

Kenneth Lauranzano is a financial advisor at Stifel with 32 years of industry experience. He holds a Series 63 designation and has worked at Stifel Nicolaus & Co Inc since 2018, following prior roles at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. He is also an owner of a rental property in Summerville, South Carolina. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, providing brokerage and investment advisory services. The firm’s investment approach incorporates proprietary methodologies developed by its Investment Strategy Group, using forward-looking market assumptions and probabilistic modeling to support client asset allocation and planning decisions.

Scott Caldwell is a financial advisor with LPL Financial in Greenbrae, CA, holding Series 63 and Series 66 licenses and bringing 34 years of industry experience. He has been with LPL Financial (formerly LINSCO Private Ledger) since 2000. Caldwell also co-manages Sweetwater Farm LP, a limited partnership established for tax purposes, alongside his brother. 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 services including financial planning, model portfolio programs, and access to third-party asset management, with advice delivered primarily through a network of investment adviser representatives.

Emily Chan is a financial advisor with Ameriprise in San Anselmo, CA, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. She previously worked at UBS Financial Services Inc. for 10 years before joining Ameriprise in 2020. Outside of her advisory work, Chan provides pro bono financial advice and planning to low-income immigrants through the nonprofit Serving Others Worldwide (S.O.W.). Ameriprise offers retirement-income planning services primarily for clients approaching or in retirement who meet specific asset criteria, combining research-driven modeling and tax-efficiency analysis to generate tailored recommendations. The firm serves a broad client base with advisory, brokerage, and insurance solutions typical of a large institutional provider.

Donna Mccusker is a financial advisor at Morgan Stanley with 43 years of industry experience. She has held various roles within Morgan Stanley entities since 1997 and holds a Series 63 designation. In addition to her advisory work, she serves on the San Rafael Fire Commission, where she attends monthly meetings to discuss fire department activities and community service improvements. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs including financial and estate planning, using structured planning tools and analysis provided by its Global Investment Committee.

Stuart Reilly is a financial advisor with RBC Capital Markets, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. His prior roles include positions at City National Bank, Bank of America, and Merrill Lynch. He serves as Vice Commodore and is a board member of the San Francisco Yacht Club, a sailing club nonprofit. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm provides various advisory programs with customizable portfolio management, financial planning, and brokerage services, leveraging both in-house and third-party investment resources.

Michael Mohaghegh is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His prior roles include positions at Wells Fargo Investments and Banc of America Investment Services. He volunteers with the Foundation for Financial Planning, assisting individuals in financial hardship with understanding financial aid and unemployment benefits. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm combines research and analytics with both brokerage and advisory solutions and manages approximately $671 billion in assets through a large network of financial advisors.

James Lippitt is a financial advisor at Morgan Stanley with 21 years of industry experience. He has held roles at Morgan Stanley since 2009 and at Morgan Stanley Private Bank, National Association since 2015. He holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving individuals and institutional clients. The firm provides a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques, managing approximately $2.74 trillion in client assets.

Rachel Klase is a Planning Consultant at the Larkspur Investor Center, where she collaborates with Financial Consultants to assist clients in progressing toward their financial goals and utilizing Fidelity's platform effectively. She focuses on creating tailored experiences by thoroughly understanding each client's financial situation through detailed data gathering and personalized discussions. Rachel has been with Fidelity Investments since 2017, starting as a Relationship Manager before transitioning to her current role in 2020. She holds a California Insurance License, supporting her work in financial planning and client service.

Keith Bernardy is a financial advisor with LPL Financial based in Novato, CA, holding a Series 63 designation and bringing 44 years of industry experience. He previously worked at Securities America Advisors, Inc. and KMS Financial Services, Inc. Bernardy also operates Bernardy Financial Group as a DBA for his LPL business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions with a range of advisory and brokerage services including financial planning, model portfolios, and institutional platforms.

Matthew Sattler is a CFP® professional with nine years of industry experience, currently affiliated with Charles Schwab in Corte Madera, CA. His prior experience includes roles at Edward Jones and IntegenX Inc. Outside of his advisory work, he rents out a room in his primary residence. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and managed-account services, delivering investment guidance via a combination of non-discretionary advice and discretionary separately managed accounts.

William Lukach is a financial advisor at LPL Financial with 38 years of industry experience. He holds Series 63 and Series 65 credentials. His prior experience includes roles at Bank of America and Merrill. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a broad range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Charles Terrazas is a Senior Financial Advisor at Merrill Lynch Wealth Management and a senior member of the team Reilly, Terrazas, Krone and Associates. He has been with Bank of America since 1981, beginning his career as an Institutional Fixed Income Sales Representative and later joining the Ultra High Net Worth Sales Group in 2005. In his current role, he manages and advises key individual accounts and develops proprietary portfolio strategies for a diverse group of clients including Silicon Valley entrepreneurs, physicians, attorneys, entertainment and sports personalities, and multiple generations of successful families. Mr. Terrazas's expertise includes fixed income portfolio construction and management, institutional sales, and developing investment strategies in multi-currency fixed income markets. He started his career providing guidance to Foreign Central Banks and later worked in London with Credit Suisse First Boston. His experience also includes roles in institutional fixed income trading. He holds the Personal Investment Advisor designation and earned a Juris Doctor degree from Golden Gate University School of Law. He lives in Mill Valley with his wife, Camille, and has interests in baseball, golf, tennis, and spending time with his family.

Race Stowell serves as a Wealth Management Advisor and Senior Vice President with Merrill Lynch Wealth Management, specializing as a Retirement Benefits Consultant. He focuses on assisting plan sponsors in developing effective retirement plan strategies to meet participant retirement objectives. His client expertise includes divorce transition planning, institutional and corporate benefit services, and investment consulting for defined contribution plans. With over 30 years of experience in retirement plan advisory for corporations, Race holds multiple professional designations, including Certified Investment Management Analyst (CIMA), Certified 401(k) Professional (C(k)P®), Certified Plan Fiduciary Advisor (CPFA®), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He is a graduate of the University of California system. Race’s approach emphasizes aligning wealth planning with clients’ personal priorities and goals, aiming to simplify the complexities of investing and provide transparent, customized plans. Outside of his professional work, his personal interests include dancing, hiking, music, reading, running, spending time with family, surfing, traveling, and writing.

Mike Worthington is a CFP®-certified financial advisor with 14 years of industry experience, currently practicing at J.P. Morgan Securities in Tiburon, CA. His career includes roles at J.P. Morgan Securities since 2014 and JPMorgan Chase Bank, N.A. since 2016. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on written asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary program. The firm’s advisory process incorporates centralized due diligence using quantitative and qualitative research, with capabilities that include derivatives and commodities strategies.

Peter Goudy is a financial advisor at Stifel with five years of industry experience. He holds the Series 63 and Series 66 designations and previously worked at Ameriprise Financial, Nationwide Financial, and Foresters Financial. Outside of his advisory role, he serves as a soccer referee for youth organizations in the San Francisco Bay Area. Stifel serves a broad range of clients, including individuals, institutions, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment approach relies on proprietary capital market assumptions and probabilistic modeling developed by its Investment Strategy Group to guide asset allocation and financial planning.

Spencer Carroll is the Vice President and Branch Leader at Fidelity Investments, a position he has held since 2025. In this role, he leads, coaches, and inspires advisors to deliver planning experiences to Fidelity clients. Prior to this, he served as Vice President and Regional Planning Consultant from 2022 to 2025, Financial Consultant from 2018 to 2022, Investment Consultant from 2016 to 2018, and Financial Representative from 2015 to 2016, all within Fidelity Investments. Spencer holds a California Insurance License, supporting his work in financial advising and planning. His career at Fidelity Investments spans various roles, providing him with broad experience in financial consulting and investment services.