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.

Michael Velzo is a financial advisor with LPL Financial in San Francisco, CA, holding a Series 66 designation and 10 years of industry experience. He has been with LPL Financial since 2015. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios and research from internal and third-party sources.

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.

Winston Thomas is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Morgan Stanley & Co Inc since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients, including customized financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and models in its advisory process.

George Aarsheim is a financial advisor with Charles Schwab in Corte Madera, CA. He holds a Series 66 designation and has recent experience primarily with Charles Schwab, beginning in 2024, alongside prior roles in full-time education and other fields. Charles Schwab serves a large client base, mainly high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory program and affiliated services. The firm offers a combination of non-discretionary advisory services and access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

Kenneth Lauranzano is a financial advisor with Stifel, holding a Series 63 designation and 31 years of industry experience. He has worked at Stifel Nicolaus & Co Inc since 2018, following roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment methodology from its Investment Strategy Group.

Scott Caldwell is a financial advisor with LPL Financial, holding Series 63 and Series 66 registrations and possessing 34 years of industry experience. He has been with LPL Financial (formerly LINSCO Private Ledger) since 2000. In addition to his advisory work, he co-manages Sweetwater Farm LP, a limited partnership established for tax purposes, alongside his brother. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a large network of investment adviser representatives. The firm offers various advisory programs, financial planning, and retirement consulting, providing both discretionary and non-discretionary management supported by in-house and third-party research.

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 with Morgan Stanley in San Rafael, CA, holding a Series 63 designation and 42 years of industry experience. She has worked with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Outside of her advisory role, she serves on the San Rafael Fire Commission, attending monthly meetings to discuss fire department activities and community service improvements. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and engages in diverse investment activities, including relationships with investment companies and private funds.

Tony Yee is a financial advisor with Merrill in San Francisco, CA, holding Series 63 and Series 66 credentials and three years of industry experience. He previously worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. Outside of his advisory role, he is a co-owner of a rental property with non-family members. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base including individuals, high-net-worth clients, pension plans, and charitable organizations. The firm integrates with Bank of America’s platform to deliver a wide range of products and services.

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 in San Francisco, holding Series 63 and Series 65 designations and bringing 33 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2011 to 2016. Outside of his advisory role, he volunteers with the Foundation for Financial Planning, assisting individuals in financial hardship by explaining financial aid and unemployment benefits. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

James Lippitt is a financial advisor with Morgan Stanley based in San Rafael, CA, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. He has worked at Morgan Stanley since 2009 and has been with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and offers planning services both directly to individuals and through Corporate Financial Planning agreements with employers.

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 at LPL Financial with 43 years of industry experience. He holds the Series 63 designation and previously worked at Securities America Advisors, Inc. and KMS Financial Services, Inc. Bernardy also operates Bernardy Financial Group as a DBA related to his LPL business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory services, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

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 with LPL Financial, holding Series 63 and Series 65 licenses and having 37 years of industry experience. His prior experience includes roles at Merrill and Bank of America, where he worked for nearly a decade each. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management alongside model portfolios and research from multiple sources.

Ryan Wiegmann is a financial advisor with Charles Schwab, holding Series 63 and Series 66 designations and 12 years of industry experience. He has worked at Charles Schwab and Charles Schwab Bank since 2013 and 2015, respectively. Charles Schwab & Co., Inc. serves a large client base primarily consisting 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 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.

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.