Chad Pate is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. He holds the Series 66 designation and previously worked at Merrill for 12 years before joining Wells Fargo Clearing in 2020. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process 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.

Stephanie Wong is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and three years of industry experience. She is also a part owner and corporate secretary of Blue Mountain Construction, a design and general contracting business. 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 options grounded in modern portfolio theory. The firm’s approach includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Kevin Tarrant is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley Private Bank, N.A. since 2015 and MORGAN STANLEY SMITH BARNEY LLC since 2013. 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 conversations and firm-approved planning tools.

Danian Peo is a financial advisor with Ameriprise in San Francisco, CA, holding a Series 66 designation and 24 years of industry experience. He has been with Ameriprise and its affiliates since 2005. Outside of his advisory role, Peo serves as Treasurer and a board member of Foodwise, a nonprofit organization. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with substantial investable assets, combining research-driven modeling and tax-efficient strategies to generate personalized, non-discretionary recommendations. The firm also offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Conradine Morehouse is a financial advisor with RBC Capital Markets, LLC, holding Series 63 and Series 66 credentials and bringing 30 years of industry experience. She previously worked at Merrill from 1982 to 2019 before joining RBC in 2019. RBC Wealth Management serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm provides various advisory programs that offer portfolio management, financial planning, and brokerage services, using a combination of in-house and third-party investment managers tailored to client risk profiles.

Stephanie Lippitt is a financial advisor at Morgan Stanley in San Rafael, CA, holding a Series 66 license with 22 years of industry experience. She has worked at Morgan Stanley since 2017 and previously at Wells Fargo Clearing and Wells Fargo Advisors from 2009 to 2017. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct and employer-based financial planning arrangements.

Alexander Kithas is a financial advisor with Merrill in San Rafael, CA, holding a Series 66 credential and one year of industry experience. His career includes positions at Merrill since 2022 and Bank of America, N.A. since 2024. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary strategies developed by internal and third-party managers.

Jonathan Gorton is a financial advisor with Wells Fargo Clearing in Corte Madera, CA, holding a Series 66 designation and four years of industry experience. He has been with Wells Fargo Clearing since 2022 and has been involved with AndrewsCamps since 2013. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers investment advisory services, financial planning, retirement plan consulting, and a range of brokerage and advisory solutions.

Rowan Beach is a financial advisor with Morgan Stanley in San Rafael, CA, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including financial planning and estate strategies. The firm manages approximately $2.74 trillion in assets and employs a structured planning process that utilizes firm-approved tools and modeling techniques.

Michael Hobson is a financial advisor at Wells Fargo Clearing with 24 years of industry experience. He holds Series 63 and Series 65 licenses 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 investment advisory solutions. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a wider range of financial products than typical institutional advisers, such as insurance-related vehicles and bank deposit sweep options.

Winfred Lai is a Financial Consultant at Fidelity Investments, a position he has held since 2025. He has been with Fidelity Investments since 2018, serving in various roles including Investment Consultant, Planning Consultant, Relationship Manager, and Financial Representative. Prior to joining Fidelity, he worked as a Paraplanner at Pharaoh Financial in 2014. Throughout his career, Winfred has collaborated closely with clients to develop financial strategies that align with their goals and values. He emphasizes listening to clients to understand what is important to them and works alongside them through their financial journey. Winfred holds a California Insurance License.

Ryan Powell is a financial advisor at Edward Jones with 14 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2011. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management through a large nationwide network of advisors and branch offices and offers a range of advisory programs including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and proprietary mutual funds.

Joseph Gil is a financial advisor with Morgan Stanley in San Rafael, CA, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs that include tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers investment and planning services through various advisory and broker-dealer arrangements.

Gregory Lee is a CFP®-certified financial advisor with Charles Schwab, holding a Series 66 license and two years of industry experience. His prior work includes roles at Charles Schwab Bank SSB, BioMarin Pharmaceutical Inc., and Beacon Pointe Advisors. He also has experience working at the University of San Francisco and the Chinatown YMCA. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management with integrated brokerage and custody services.

Erin Ackenheil is a financial advisor with Ameriprise in Novato, CA, holding a Series 66 designation and one year of industry experience. She has concurrently worked at Black Point Insurance since 2016. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing annual retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Thomas Davis is a financial advisor with LPL Financial in Novato, CA, holding Series 63 and Series 65 designations and over 22 years of industry experience. He has been with LPL Financial, formerly LINSCO/PRIVATE LEDGER CORP., since 2001. In addition to his advisory role, Davis has worked as an independent insurance agent selling fixed insurance products. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies supported by technology tools, while also maintaining extensive non-advisory financial services.

Jimmie Alexander is a financial advisor at OSAIC with 32 years of industry experience. He holds a CFP® designation and Series 63 and 66 licenses. Prior to joining OSAIC, he worked at Securities America Advisors, Inc. and Foothill Securities, Inc. Alexander also works as a clinical laboratory scientist at Kaiser Permanente. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisors, offering integrated brokerage and advisory services alongside financial planning and retirement consulting. The firm employs a variety of asset-allocation tools and third-party solutions to manage diversified portfolios tailored to client needs.

Sandy Magid is a financial advisor with Cetera, holding a Series 66 credential and bringing 27 years of industry experience. Prior to joining Cetera in 2025, he worked extensively with Avantax and maintained a longstanding role at Magid Accountancy Corporation, a CPA practice he has led since 2004. He is involved in various activities outside of direct advisory work, including serving as President and board member of the Marin County Estate Planning Council and holding trustee roles for multiple family trusts. Cetera Investment Advisers LLC serves a diverse client base including individual investors, employer-sponsored retirement plans, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supporting both discretionary and non-discretionary accounts.

James Gilmore is a financial advisor at Ameriprise with nine years of industry experience. His prior roles include positions at Janus Henderson Distributors US LLC, Janus Henderson Investors US LLC, Janus Distributors LLC, and Janus Management Holdings Corp. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement-income planning, providing written recommendation reports and ongoing advice based on investment research, algorithmic tools, and third-party data.

Nolan Phillips is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and four years of industry experience. Prior to joining Wells Fargo in 2026, he worked at UBS Financial Services Inc. for six years and has also held positions at Amazon Inc. and Bank of Marin. 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, offers both brokerage and advisory solutions, and utilizes research from the Wells Fargo Investment Institute alongside third-party analytics.