Carl Ilg is a financial advisor with RBC Capital Markets and holds the Series 66 designation. He has 24 years of industry experience, including roles at Merrill, Bank of America, and City National Bank. He is based in Greenbrae, CA. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers various advisory programs with tailored investment strategies and a mix of in-house and third-party managers, supported by RBC’s capital-markets capabilities.

Carter Lewis is a financial advisor at RBC Capital Markets with a Series 66 designation and less than one year of industry experience. His prior work includes roles in education at the University of San Francisco, Hamilton High School, and Santan Junior High School. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs with tailored investment strategies, combining in-house and third-party managers and providing discretionary and non-discretionary portfolio management and related financial services.

Steve Freedman is a financial advisor with Wells Fargo Advisors who holds Series 63 and Series 65 licenses and has 12 years of industry experience. His career includes roles at Scottrade and Wells Fargo Clearing Service, LLC, and he owns and manages a business involved in music and artwork sales. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutions, providing a broad range of investment and financial planning services supported by Wells Fargo research and tailored client recommendations.

Christopher John Free is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and bringing 21 years of industry experience. He has worked at JPMorgan Chase Bank, N.A. since 2018 and with JP Morgan Securities LLC since 2016. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process includes centralized due diligence with quantitative and qualitative research and may incorporate an ESG eligibility framework.

Emmet Yeazell is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and bringing 50 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and previously spent 11 years at A. G. Edwards & Sons, Inc. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, offering investment advisory services, financial planning, retirement plan consulting, and both brokerage and advisory solutions. The firm manages approximately $671 billion in assets and operates with more than 14,000 financial advisors.

Ryan Cassidy is a financial advisor with LPL Financial in San Rafael, CA, holding a Series 66 designation and 21 years of industry experience. He has worked at LPL Financial since 2011, with prior roles at Merrill, Banc of America Investment Services, and Morgan Stanley. Cassidy also operates a separate business under the name Moraes & Cassidy Group, LLC. 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 investment advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a broad network of advisors.

Michael Nelson is a financial advisor at J.P. Morgan Securities with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Citibank/Citigroup, Oppenheimer, and Susquehanna Financial Group. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research supported by centralized due diligence and includes broader derivatives and commodities capabilities.

Margarita Perry is a financial advisor with RBC Capital Markets in Greenbrae, CA, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. Her career includes roles at Merrill, Bank of America, N.A., and City National Bank. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients from individual investors to institutions, offering tailored investment strategies through various advisory programs and a combination of in-house and third-party managers.

Jason Dilena is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior roles include positions at Churchill Management Group and Sol Mexican Cocina. Merrill, in partnership with Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Sebastian Heidgger Jr. is a financial advisor at Charles Schwab with seven years of industry experience. He holds the Series 66 designation and has worked at Charles Schwab and Charles Schwab Bank since 2018. His prior experience includes roles at Heidgger, Inc., IMC World Trade Corporation, and HTC Automotive, Inc. 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 advice and access to discretionary separately managed accounts, supported by a multi-asset investment approach and a centralized operational structure.

Philip Scarborough Jr. is a financial advisor with Ameriprise in San Rafael, CA, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. His prior work includes roles at Cirrus Research LLC and Citibank before joining Ameriprise in 2019. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Stephanie Smith is a financial advisor at Morgan Stanley with 20 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds Series 63 and Series 66 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a wide range of advisory programs to both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s financial planning process utilizes structured discovery conversations and firm-approved tools, incorporating various modeling techniques without providing individual security recommendations as part of standalone plans.

Reno Petrini is a Wealth Management Advisor at Merrill Lynch Wealth Management. In his role, he focuses on creating personalized wealth management strategies tailored to clients' individual financial situations and goals. He takes the time to understand clients and their families, helping them design and implement customized approaches that adapt to changing needs and market conditions. Reno provides access to the investment insights of Merrill and the banking convenience and lending solutions of Bank of America to address various aspects of clients' financial lives. Reno's expertise encompasses legacy planning, personal retirement planning, philanthropic planning, portfolio management services, tax minimization, retirement income, and serving clients in sports and entertainment. He holds several professional designations, including Chartered Advisor in Philanthropy (CAP), CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned a Bachelor's Degree from Arizona State University. Beyond his professional responsibilities, Reno participates in community volunteer work in line with Merrill's tradition of community involvement. His personal interests include basketball, camping, cooking, hiking, and spending time with his family.

Eric Englund is a financial advisor with RBC Capital Markets and holds the Series 66 designation. He has 19 years of industry experience, including roles at RBC Capital Markets since 2008 and City National Bank since 2023. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves individual and institutional clients with tailored advisory programs that provide portfolio management, financial planning, custody, and brokerage services. The firm uses a mix of in-house and third-party investment managers and offers integrated capital markets and alternative investment solutions.

Talyn Mitchell is a financial advisor at J.P. Morgan Securities in San Rafael, CA, holding a Series 66 designation with one year of industry experience. Prior to joining J.P. Morgan Securities, Mitchell worked at Equitable Financial Life Insurance and Equitable Advisors, LLC. Outside of finance, Mitchell has experience associated with Saint Mary’s College of California and its recreation department. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program focused on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process integrates quantitative and qualitative research and includes capabilities in derivatives and commodities through affiliated entities.

Kim Shearer is a financial advisor at Wells Fargo Clearing with 25 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Morgan Stanley from 2014 to 2016. Shearer has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers a broad range of investment advisory services, financial planning, and retirement plan consulting, utilizing research and analytics alongside diversification principles and modern portfolio theory.

Terri Brown is a financial advisor at RBC Capital Markets with 32 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at firms including Merrill, Bank of America, and City National Bank. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base ranging from individual investors to institutional clients and charitable organizations. The firm offers various advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to each client’s risk profile.

Kyle Patrick is a Series 66-licensed financial advisor with 10 years of industry experience, currently with UBS Financial Services in Mill Valley, CA. He has worked at UBS since 2019 and previously held positions at Bank of America and Merrill. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, employing model-based asset allocations and proprietary research to tailor plans according to clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services and offers a broad range of investment, custody, and capital markets solutions.

Louis Wellmeier is a financial advisor at Edward Jones in Sausalito, CA, holding Series 65 and Series 66 designations with five years of industry experience. His prior roles include positions at Vida Private Wealth LLC, Wilusz and Associates, Inspired Legacies, Northwestern Mutual Investment Management, and Merrill. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a large national network of financial advisors and branch offices.

Laurie Dederian is a financial advisor at Charles Schwab with 17 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Charles Schwab and Charles Schwab Bank since 2008. Charles Schwab & Co., Inc. serves a large client base, 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 and discretionary investment options, supported by multi-asset model portfolios, written advice policies, and centralized operational infrastructure.