River Kisler is a financial advisor at UBS Financial Services with less than one year of industry experience. He holds a Series 66 designation and has prior work experience at Ideaship and Santa Clara University. His background also includes a five-year tenure at Finnriver Cidery. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, utilizing proprietary capital market assumptions and research to tailor investment plans. The firm combines institutional trading capabilities with wealth management and offers services such as discretionary portfolio management, mutual fund distribution, and securities-backed lending.

Shubie Gulati is a financial advisor at Morgan Stanley with 36 years of industry experience. He holds a Series 63 designation and has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients by offering a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm‑approved tools and modeling techniques.

Rachel Abdel Hamid is a Wealth Management Advisor at Merrill Lynch Wealth Management. Since joining the ROK Advisory Group, she has developed client relationships focused on customized insurance, estate, and wealth management planning strategies. Rachel arrived at Merrill Lynch in 2006, following her role as an event coordinator for a boutique real estate company in Los Angeles. Over the past 16 years, she has worked within Compliance and Management before transitioning to her current advisory role. Rachel holds a Bachelor's Degree from California State University and has earned the CERTIFIED FINANCIAL PLANNER™ (CFP®) designation awarded by the CERTIFIED FINANCIAL PLANNER™ Board of Standards, Inc. She also holds the Chartered Retirement Planning Counselor™ (CRPC) designation and the Personal Investment Advisor (PIA) credential. She is an active member of the Financial Planning Association. Beyond her professional duties, Rachel is involved with the Glenwood School Foundation. In her free time, she enjoys hiking near her home in San Rafael with her husband Sherif and their two children.

Lee Cohen is a financial advisor with Raymond James & Associates, holding a Series 63 designation and bringing 28 years of industry experience. He has previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. 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, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and specialized municipal advisory services.

Chad Merschat is a financial advisor at Morgan Stanley with 21 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2021. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured process utilizing firm-approved tools and economic modeling to support financial planning.

Kenneth Sorensen is a financial advisor with Morgan Stanley in San Rafael, California, holding a Series 63 designation and bringing 36 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and at Wells Fargo Advisors LLC since 2011. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning that utilizes firm-approved planning tools and expert committee input.

Matthew Cameron is a financial advisor at Wells Fargo Clearing with 26 years of industry experience. He holds Series 63 and Series 66 designations and has been with Wells Fargo Clearing and its related entities since 2014. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, delivering both discretionary and non-discretionary investment services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Stacie Giddings is a financial advisor at Charles Schwab with 18 years of industry experience. She holds Series 65 and Series 63 designations and has worked at several firms including Guardian Wealth Advisors and TD Ameritrade Institutional. 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 models and access to discretionary separately managed accounts, supported by a centralized operational structure.

Elizabeth Murphy Jinich is a Series 66-licensed financial advisor with Merrill, based in Mill Valley, CA, and has 38 years of industry experience. She has been with Merrill since 1990. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers a range of model-based and discretionary investment strategies managed by internal teams and third-party managers for individuals, high-net-worth clients, and institutions.

Leonard Tallerico is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been with Merrill since 1985 and brings over 39 years of experience navigating client portfolios through various market cycles. Leonard employs a planning-based approach combined with discretionary portfolio management to assist clients in achieving their financial goals and objectives. Leonard’s expertise covers a broad range of client focus areas including college education planning, family wealth management strategies, retirement income, socially responsible and ESG investing, and portfolio management services. He integrates personalized wealth management strategies with insights from Merrill and lending solutions from Bank of America to create plans tailored to clients' priorities and aspirations. Leonard holds a Bachelor’s degree in accounting from Santa Clara University and began his career on the professional staff of Price Waterhouse in San Francisco from 1981 to 1985. He is a CERTIFIED FINANCIAL PLANNER® professional, CERTIFIED PLAN FIDUCIARY ADVISOR, Personal Investment Advisor, and Retirement Accredited Financial Advisor. In addition to his professional work, Leonard participates in community volunteer activities and values spending time with his family. His personal interests include golfing and hiking.

Margaret Ash is a Financial Consultant currently with Fidelity Investments since 2019. She has 15 years of experience in financial consulting, specializing in portfolio management, retirement planning, and risk mitigation. She holds FINRA Series 6, 7, 63, and 66 licenses and serves as a fiduciary. Prior to her current role, Margaret worked as a Senior Financial Advisor and Vice President at Union Bank Investment Services from 2017 to 2019, a Financial Advisor at Merrill Lynch from 2015 to 2017, a Personal Banker at Bank of America in 2015, and a Financial Representative at Metlife - New England Financial from 2010 to 2015. She also holds a California Insurance License. Outside of her professional work, Margaret enjoys family activities, fitness, hiking, running, skiing, and traveling.

Scott Stroud is a financial advisor at Cetera with one year of industry experience. He holds the PFS™ designation and has a background in accounting and business consulting, operating as the owner of North Bay CPA and CEO of North Bay Business Advisors Inc. Outside of his advisory work, he serves as Athletic Director and Treasurer for local youth basketball programs in the North Bay area. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and access to third-party money managers.

Evan Eggers is a financial advisor with Mass Mutual Investors Services in Corte Madera, CA, holding Series 66 and Series 63 licenses and six years of industry experience. He previously operated Eggers Consulting for seven years and has worked with MassMutual Life Insurance Company since 2023. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides comprehensive financial planning, asset management, and educational seminars, structuring engagements as annual collaborative relationships that focus on strategic investment categories rather than specific product selections.

Sam Black is a financial advisor at Charles Schwab with 23 years of industry experience. He holds Series 63 and Series 66 designations and has been with Charles Schwab and Charles Schwab Bank since 2005. 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 separately managed accounts and offers a range of investment guidance using multi-asset model portfolios and alternative investment options.

Ryan Romines is a financial advisor with Ameriprise in San Rafael, CA, holding a Series 66 designation and 25 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Outside of his advisory role, he is involved in fiduciary activities and serves as an executor. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement income planning focused on dependable income sources and tax-aware withdrawal strategies.

Boriss Bikosvili is a Vice President and Financial Advisor with Merrill Lynch Wealth Management. He provides personalized financial guidance, focusing on helping clients discern and achieve their goals through tailored wealth strategies. Boriss serves a diverse client base including executives, business owners, professionals, and individuals approaching or enjoying retirement, assisting them with portfolio management, legacy planning, and retirement income strategies. With more than a decade of experience in wealth management and banking, Boriss has previously held the role of Vice President of Investments and Financial Advisor at JP Morgan. He holds a Bachelor's Degree in Finance from the University of San Francisco and is a CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He is fluent in English and Russian. Outside of his professional duties, Boriss is active in his local community, serving as Vice President of his Homeowners' Association. His personal interests include woodworking, cooking, boxing, and Judo. He values clear communication and attentive service, aiming to help clients become informed stewards of their wealth.

Patrick Carlin III is a financial advisor with Wells Fargo Advisors in San Rafael, CA, holding a Series 66 designation and six years of industry experience. He previously worked at Oppenheimer & Co. Inc. and Forester's Financial, among other firms. Outside his advisory role, Carlin manages the day-to-day operations of California Street Wealth Management LLC and Castlederg Capital Management Corp. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options including retirement, education, risk, and wealth-transfer planning. The firm integrates advisory services with other financial products, serving clients who meet certain net-worth thresholds.

Perry Trimble is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has been with Raymond James & Associates since 2016. 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, and charitable organizations, offering financial planning, non-discretionary investment consulting, and specialized municipal advisory services.

Christopher Burke is a financial advisor with UBS Financial Services in Mill Valley, California, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. He previously worked at Wright Fund Management, LLC and Northern Lights Distributors, LLC before joining UBS in 2017. Burke serves on the Board of Directors and is Chair of the Investment Committee for Life Service Alternative Homes, a nonprofit providing community living programs for adults with disabilities. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, combining institutional trading capabilities with wealth management services and proprietary research to tailor client plans based on stated goals and risk tolerances.

Michael Shapiro is a financial advisor with Mass Mutual Investors Services in Mill Valley, CA, holding Series 63 and Series 65 licenses and 15 years of industry experience. He has been with MML Investors Services LLC and MassMutual Life Insurance Company since 2015. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses a structured, collaborative planning process and offers a range of programs including divorce planning, estate settlement, and employer-sponsored planning.