Evan Bernardy is a financial advisor at LPL Financial with seven years of industry experience. He holds the Series 66 designation and previously worked at Bank of America and Merrill. Outside of his advisory role, he is also active as an artist and musician. 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 services, utilizing both in-house and third-party strategies across various investment approaches.

Qui Hua is a financial advisor with J.P. Morgan Securities in Tiburon, CA, holding Series 63 and Series 65 credentials and having 20 years of industry experience. Prior to joining J.P. Morgan Securities in 2012, Qui Hua worked at Citigroup Global Markets from 2007 to 2009 and has been associated with JPMorgan Chase Bank, N.A. since 2009. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework when recommending investment strategies.

Adam White is a financial advisor at Robert W. Baird & Co. with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Baird since 2017, following prior roles at Eaton Vance Management and Eaton Vance Distributors, Inc. He is part of The DDK Group, a team within Robert W. Baird & Co.’s Private Wealth Management practice that serves individuals, families, pensions, profit-sharing plans, corporations, charitable organizations, and institutional clients. The group offers a range of consulting and portfolio services tailored to client goals and risk tolerances, utilizing both in-house and third-party managers across traditional and non-traditional investment strategies.

Robert Emmer is a CFP® with 48 years of industry experience, currently affiliated with Raymond James Financial Services Advisors, Inc. He has worked with several firms, including Associated Planners Investment Advisory Inc., Linsco Private Ledger (LPL), and Geneos Wealth Management Inc. Emmer also provided financial advisory services as an independent contractor for Silversage Advisors. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm employs tailored, non-discretionary planning and analytical tools to help clients achieve their financial goals and supports municipal and public finance work through a unique municipal advisor affiliation.

Justin Adams is a financial advisor with Raymond James & Associates in San Rafael, CA, holding Series 63 and Series 65 licenses and 26 years of industry experience. He has been with Raymond James & Associates since 2014. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional and pension plans, charitable organizations, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Brian Gallagher is a financial advisor at Wells Fargo Clearing with eight years of industry experience. He holds a Series 66 designation and has been with Wells Fargo Clearing since 2017. Prior to that, he worked at AmeriCan Adventures from 2013 to 2017. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. 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.

Maria Cecilia Gapunuan is a financial advisor at OSAIC with 16 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Sagepoint Financial Inc. and AIG Financial Advisors, Inc. Her other business activities include assisting clients with group insurance service issues through Stacy Hering Astor & Associates Inc. OSAIC serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations, offering integrated brokerage and advisory services, financial planning, and access to multiple investment platforms and third-party money managers.

Jordan Parker is a financial advisor with LPL Financial in San Rafael, CA, holding a Series 66 designation and 21 years of industry experience. He has been with LPL Financial since 2008. 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 advisory and brokerage services, including financial planning, wrap and model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Jonathan Thompson is the Resident Director at Merrill, where he has been serving clients since 2005. In his role, Jonathan emphasizes a comprehensive approach to wealth management, beginning with understanding each client’s unique needs and goals. He connects clients with the investment expertise of Merrill Lynch Wealth Management and the banking services of Bank of America to address various financial aspects. His focus areas include college education planning, family and international wealth management, retirement planning, tax minimization, and small business strategies, among others. Jonathan holds a Bachelor’s degree in Finance from Azusa Pacific University and the Chartered Retirement Planning Counselor™ (CRPC) designation. He works closely with professionals, business owners, and affluent families to develop wealth management strategies aimed at optimizing wealth while managing risk. Jonathan is also committed to his local community in Novato and Marin County, where he volunteers by coaching youth sports. Outside of his professional responsibilities, Jonathan enjoys tennis, golf, hiking, and spending time with his family.

Olivia Born is a financial advisor at Charles Schwab & Co., Inc. with a Series 66 credential and one year of experience at the firm. Her prior work experience includes roles outside of finance, such as positions at Jackson Family Wines, RH, and Quail & Condor Bakery. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 relationships with access to affiliated discretionary SMAs and utilizes multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Patrick Torrey is a financial advisor at Charles Schwab with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Charles Schwab and Charles Schwab Bank since 2010 and 2012, respectively. 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 due diligence on alternative investments.

Nicholas Knudsen is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds a Series 66 designation and has worked previously at Prudential Insurance Company of America, Target Corporation, and AAA Insurance. 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 capabilities with brokerage, distribution, and investment management services.

Timothy Baughman is a financial advisor with Merrill in San Rafael, CA, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. He has worked at Merrill and Bank of America, N.A. since 2015. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm integrates strategic and tactical asset allocation with tax-aware strategies and supports various investment restrictions and cash management options.

Henrik Nielsen is a financial advisor at Wells Fargo Clearing with 26 years of industry experience. He holds a Series 66 designation and previously worked at Bank of America for 21 years before joining Wells Fargo in 2020. Outside of his advisory role, he serves in various leadership positions overseeing family investment interests and development projects in Denmark. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is IPS-driven and includes a broad range of financial product offerings such as insurance-related vehicles and bank deposit sweep options.

Michael Ariyoshi is a financial advisor with Raymond James & Associates in San Rafael, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. His prior roles include positions at Wells Fargo Clearing, Morgan Stanley Private Bank, and Wells Fargo Advisors. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser with approximately $501 billion in assets under management. The firm serves a diverse client base, including high-net-worth individuals, institutions, and municipal entities, offering tailored financial planning and consulting services supported by extensive research and a range of portfolio management options.

John Tornes is a CFP® and Series 66 registered financial advisor with Edward Jones in Novato, CA, where he has worked since 2008. He has 18 years of industry experience. Outside of his advisory role, he is involved in rental real estate ownership in San Francisco. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets through a large network of advisors and branch offices.

Michael Morrone is a Series 66-credentialed financial advisor with five years of industry experience, currently with J.P. Morgan Securities. His prior roles include positions at First Republic Investment Management, First Republic Securities, and Wells Fargo. Outside of his advisory work, he holds a passive investment interest in Longwood Holdco, LLC, a holding company that owns a car wash. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling and a centralized due diligence process to recommend investment solutions.

Elizabeth Groh is a Wealth Management Advisor at Merrill Lynch Wealth Management. She has dedicated over 46 years to assisting high-net-worth clients in the San Francisco Bay Area, developing customized financial strategies to help them pursue their financial goals. Elizabeth works closely with clients and their other professionals, such as attorneys and tax specialists, to identify primary goals including education funding, tax minimization strategies, and retirement asset management. Elizabeth holds a Bachelor's Degree from Arizona State University and is a CERTIFIED FINANCIAL PLANNER® certificant. She also holds the Professional Investment Advisor (PIA) designation. In addition to her advisory role, she collaborates with a Wealth Management Lending Officer from Bank of America to provide clients with personalized home financing guidance. Outside her professional responsibilities, Elizabeth is involved with the Bay Area Strength Alliance and Buckelew Programs. She enjoys hiking, skiing, and traveling with her family and is active in the Bay Area Strength and Alliance community.

Matthew Larrabure is a financial advisor at RBC Capital Markets with 18 years of industry experience. He holds a Series 66 designation and has previously worked at Merrill and Bank of America. Outside of his advisory role, he teaches hunter education classes for the California Department of Fish and Wildlife and serves as a committee member for the Sonoma Marin Area Rail Transit. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers various advisory programs with tailored portfolio management strategies, integrating both in-house and third-party investment resources.

Brock Scigliano is a financial advisor with LPL Financial in San Rafael, CA, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. His prior roles include positions at Fidelity Investments, Prudential, and TD Ameritrade. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of investment adviser representatives. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.