Enrique Fermin is a Certified Financial Planner (CFP®) with over 32 years of experience in the financial industry. He has been with Bailard, Inc. since 1985 and also worked with Bailard Fund Services, Inc. for more than three decades. Bailard, Inc. provides wealth management and asset management services to both individual and institutional clients, including high-net-worth individuals, endowments, pension plans, and sovereign wealth funds. The firm employs an active, multi-asset diversification approach that integrates quantitative models, fundamental research, and qualitative judgment, while offering sustainable and impact investing options upon client request.

Danielle Shinnick is a financial advisor with First Heartland Consultants, Inc. in San Mateo, CA, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. She has been with First Heartland Capital, Inc. since 2001. Outside of her advisory role, Shinnick operates bookkeeping and tax preparation services. First Heartland Consultants serves a diverse client base including individual investors, retirement plan participants, charitable organizations, and corporate entities. The firm provides financial planning, model-based management for self-directed 401(k) accounts, and both wrap and non-wrap asset management solutions through a network of independent investment adviser representatives.

Nicholas Levinson is a CFP® professional with 24 years of experience in the financial services industry. He has worked at Apella Wealth since 2025 and previously spent 22 years at Park Piedmont Advisors LLC. Levinson holds Series 63 and Series 65 licenses. Apella Wealth serves a diverse range of clients, including individuals, retirement plan sponsors, foundations, and institutions. The firm employs a model-driven, quantitative investment approach featuring factor-oriented equity strategies, fixed-income allocations, and portfolio customization, supported by integrated third-party technologies and a broad product mix that includes separately managed accounts, an automated TAMP, and institutional solutions.

Manuel Goulart is a financial advisor with Founders Financial Securities LLC in San Ramon, CA, holding Series 63 and Series 65 credentials and 27 years of industry experience. He has been with Founders Financial Securities and operates Goulart Partners, an investment advisory firm, since 2014. Founders Financial Securities serves a diverse client base, including individual and high-net-worth investors, retirement plans, charitable organizations, and corporate clients. The firm offers discretionary and non-discretionary portfolio management, access to third-party asset managers, financial planning, and retirement consulting, utilizing multiple advisory platforms and a combination of mutual funds, ETFs, model allocations, and sub-advised strategies.

Clayton Shum is a CFP® with 20 years of industry experience, currently affiliated with Aegis Capital Corp. He has held roles at Grove Point Advisors, LLC, Grove Point Investments, LLC, and USA Financial Securities, and has operated his own financial services business since 2008. He also maintains a notary license for business use. Aegis Capital Corp. serves individual investors, retirement and benefit plans, trusts, estates, and corporate clients by providing investment advisory and brokerage services, financial planning, and access to managed account programs through RBC and AXOS platforms. The firm offers both discretionary and non-discretionary account options and manages client assets across multiple program offerings.

Tom Sciara is a financial advisor at Infinity Financial Services Advisory with four years of industry experience. He holds Series 65 and Series 63 licenses and has worked previously at National Life Group, NYLIFE Securities LLC, and Equity Services Inc. Outside of his advisory role, he is also involved as an insurance agent with Falcon PG Wealth Management and Insurance Services. Infinity Financial Services Advisory is a multi-advisor firm managing approximately $174 million for around 642 clients. The firm serves individual and high-net-worth clients using a multi-method investment approach that includes fundamental, technical, and quantitative analyses, employing a range of investment products and strategies including options and alternative investments.

Sean Mc Neil is a financial advisor at Concorde Asset Management, LLC with one year of industry experience. Prior to joining Concorde, he worked at Hormel Foods for five years and Foster Poultry Farms for three years. He is the owner of Evergreen Sales & Marketing LLC, a business focused on sales and marketing for sports trading cards. Concorde Asset Management serves individual, corporate, and retirement-plan clients by providing discretionary and non-discretionary portfolio management, tailored financial planning, and access to third-party asset managers. The firm builds individualized portfolios through asset allocation and model-based strategies, offering services such as ERISA retirement-plan advisory and management of variable annuity separate accounts.

Lena Mcquillen is a CFP® and Series 66 credentialed financial advisor with 18 years of industry experience. She has been with Bailard, Inc. since 2020 and previously worked for Wells Fargo Private Investment Advisors, LLC from 2007 to 2020. Outside of her advisory role, she is a member of Smashing Grapes, LLC, a winery business. Bailard provides wealth management and asset management services to a range of individual and institutional clients, utilizing a multi-asset diversification approach that combines quantitative models, fundamental research, and qualitative judgment. The firm serves high-net-worth individuals, endowments, foundations, pension and profit-sharing plans, and registered investment companies, among others.

Emily Hazelroth is a CFP® professional with 12 years of industry experience, currently serving as an advisor at Summitry, LLC since 2021. Her prior experience includes roles at TIAA-CREF, Fidelity Personal and Workplace Advisors, and Strategic Advisers, Inc. Summitry, LLC serves individuals, high-net-worth clients, trusts, pension and profit-sharing plans, and occasionally investment companies and advisers. The firm employs a research-driven, largely bottom-up investment approach, combining internally managed core strategies with independent managers and alternative strategies, and offers discretionary portfolio management, financial planning, and mutual fund advisory services.

Daire Heneghan is a CFA® charterholder and Series 66 licensee with seven years of industry experience. He is currently with Infinity Financial Services Advisory, where he has worked since 2023. His prior roles include positions at New York Life Insurance Co, City National Bank, and Brownstein Crane Surgical Services. Outside of his advisory work, Heneghan coaches middle school rugby. Infinity Financial Services Advisory is a multi-advisor firm serving individual and high-net-worth clients with portfolio management, financial planning, adviser selection, and pension consulting. The firm uses a multi-method investment approach incorporating fundamental, technical, quantitative, and cyclical analysis, implementing strategies across various securities including mutual funds, ETFs, annuities, and options.

Nicholas Risser is a CFP® with eight years of industry experience, currently serving as a financial advisor at Bailard, Inc. since 2025. He previously worked at Bersot Capital Management and LPL Financial and took a year for extended travel in 2019. Bailard, Inc. provides wealth and asset management services to individual and institutional clients, offering financial planning and discretionary portfolio management across multi-asset and single-asset strategies. The firm employs an active, multi-asset diversification approach that integrates quantitative models, fundamental research, and qualitative judgment, and it offers sustainable and impact investing options upon request.

Mark Arola is a financial advisor at Buck Wealth Strategies, LLC in Pleasanton, CA, holding a Series 65 credential with 10 years of industry experience. He has previously worked at AE Wealth Management, LLC and J.W. Cole Advisors, Inc., among others, and is the owner and president of Arola Associates, which provides insurance sales and services. Additionally, he is president of Stoneridge Marketing Group, a separate business focused on marketing program budgeting and fund allocation. Buck Wealth Strategies serves individual and high-net-worth clients, trusts, and employer-sponsored retirement plans by providing discretionary investment management, financial planning, and retirement plan advisory services. The firm employs a top-down, macro-environmental investment approach with tactical asset allocation and sector rotation, utilizing equities, ETFs, and fixed income, supported by a relationship with AE Wealth Management for asset management and research.

Kimberly Aquino is a CFP® professional at Bailard, Inc. with 29 years of industry experience. She has worked at Bailard since 1996 and currently serves as Secretary of the BB&K Holdings Inc. Board. Bailard provides wealth and asset management services to individual and institutional clients, offering financial planning and discretionary portfolio management through multi-asset and single-asset strategies. The firm employs an active, multi-asset diversification approach that integrates quantitative models, fundamental research, and qualitative judgment, and it serves a broad range of clients including high-net-worth individuals, endowments, and pension plans.

Thuong Thien is a CFP® with 17 years of industry experience, currently serving as an advisor at Team Hewins, LLC since 2018. Prior to this, Thien worked at various Hewins-affiliated firms from 2013 to 2018. Team Hewins, LLC provides investment advisory and financial planning services to individual and high-net-worth clients, as well as business entities, trusts, estates, charitable organizations, and employee benefit plans. The firm’s investment approach is guided by an Investment Committee that constructs model portfolios based on Modern Portfolio Theory and manages assets using mutual funds, ETFs, independent managers, and private investment funds, with a notable focus on retirement plan services and fiduciary management.

Christopher Chatto is a financial advisor at Encompass More Asset Management LLC with 11 years of industry experience. He holds a Series 66 designation and has held various roles within the Encompass More affiliated entities since 2022, as well as prior positions at Verity Asset Management and Client One Securities. Outside of investment advisory, he is involved with Appreciation Financial, a fixed insurance agency in Danville, CA. Encompass More Asset Management LLC provides discretionary portfolio management, financial planning, and retirement-platform model services primarily to individual and high-net-worth clients. The firm employs model-based strategies combining proprietary models and third-party sub-advisers across a range of investment options, including equities, fixed income, private placements, and certain digital asset exposures.

Abigail Hsu is a financial advisor at Bailard, Inc. with a Series 65 credential and one year of industry experience. Prior to joining Bailard, she worked at Namur Capitale Basketball and has academic experience from Columbia University and Marjory Stoneman Douglas High School. Bailard, Inc. provides wealth and asset management services to individual and institutional clients, employing an active, multi-asset approach that integrates quantitative models, fundamental research, and qualitative judgment. The firm serves a diverse client base including high-net-worth individuals, endowments, and pension plans, and manages affiliated pooled vehicles alongside its advisory and sub-advisory roles.

Cynthia Duncan is a financial advisor at Summitry, LLC with 18 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at the Golub Group since 2005. Summitry serves individuals, high-net-worth clients, trusts, pension and profit-sharing plans, and occasionally investment companies and other advisers. The firm employs a research-driven, bottom-up investment approach, combining internally managed core strategies with independent managers and alternative approaches, including a tax-smart 130/30 long/short strategy.

David Smith is a CFA® charterholder with 17 years of experience in the financial industry. He has been with Bailard, Inc. since 2009, serving the firm in various capacities. Bailard, Inc. provides wealth and asset management services to individual and institutional clients, combining quantitative models, fundamental research, and qualitative judgment in its multi-asset investment approach. The firm serves a diverse client base including high-net-worth individuals, endowments, foundations, and pension plans, and is noted for its management of affiliated pooled vehicles and sub-advisory roles.

Carolyn Kelly is a CFP® with 18 years of industry experience, currently serving as a financial advisor at Team Hewins, LLC. She has worked at Team Hewins and its related entities since 2015. Team Hewins, LLC provides investment advisory and financial planning services to individual and high-net-worth clients, business entities, trusts, estates, charitable organizations, and employee benefit plans. The firm’s investment process is guided by an Investment Committee using Modern Portfolio Theory and offers a range of portfolio management services including tax‑loss harvesting and retirement plan fiduciary services.

Todd Wellnitz is a financial advisor with Legacy Wealth Management, LLC, based in Alameda, CA. He has one year of industry experience and has been with Legacy Wealth Management since 2024. Prior to this, he has been involved with Wellguard Insurance Solutions, Inc. since 2010. Legacy Wealth Management is a multi-advisor firm serving individuals, charitable organizations, and business entities. The firm offers discretionary and non-discretionary portfolio management, financial consulting, and planning through a multi-team platform, emphasizing tailored strategies and continuous account monitoring.