Race Stowell serves as a Wealth Management Advisor and Senior Vice President with Merrill Lynch Wealth Management, specializing as a Retirement Benefits Consultant. He focuses on assisting plan sponsors in developing effective retirement plan strategies to meet participant retirement objectives. His client expertise includes divorce transition planning, institutional and corporate benefit services, and investment consulting for defined contribution plans. With over 30 years of experience in retirement plan advisory for corporations, Race holds multiple professional designations, including Certified Investment Management Analyst (CIMA), Certified 401(k) Professional (C(k)P®), Certified Plan Fiduciary Advisor (CPFA®), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He is a graduate of the University of California system. Race’s approach emphasizes aligning wealth planning with clients’ personal priorities and goals, aiming to simplify the complexities of investing and provide transparent, customized plans. Outside of his professional work, his personal interests include dancing, hiking, music, reading, running, spending time with family, surfing, traveling, and writing.

Mike Worthington is a CFP® professional with 14 years of industry experience, currently serving as an advisor at J.P. Morgan Securities. He has been with the J.P. Morgan organization since 2014, holding positions at both J.P. Morgan Securities and JPMorgan Chase Bank. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm’s approach combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework when recommending strategies.

Peter Goudy is a financial advisor at Stifel with five years of industry experience. He holds the Series 63 and Series 66 designations and previously worked at Ameriprise Financial, Nationwide Financial, and Foresters Financial. Outside of his advisory role, he serves as a soccer referee for youth organizations in the San Francisco Bay Area. Stifel serves a broad range of clients, including individuals, institutions, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment approach relies on proprietary capital market assumptions and probabilistic modeling developed by its Investment Strategy Group to guide asset allocation and financial planning.

Spencer Carroll is the Vice President and Branch Leader at Fidelity Investments, a position he has held since 2025. In this role, he leads, coaches, and inspires advisors to deliver planning experiences to Fidelity clients. Prior to this, he served as Vice President and Regional Planning Consultant from 2022 to 2025, Financial Consultant from 2018 to 2022, Investment Consultant from 2016 to 2018, and Financial Representative from 2015 to 2016, all within Fidelity Investments. Spencer holds a California Insurance License, supporting his work in financial advising and planning. His career at Fidelity Investments spans various roles, providing him with broad experience in financial consulting and investment services.

Alden Harmon is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. His prior work includes roles at The Esports Institute and positions in education and hospitality. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional investors, including discretionary portfolio management and fund advisory. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, and it serves multiple registered investment companies and intermediary platforms.

Tucker Barash is a financial advisor with Osaic Wealth, Inc. in San Rafael, CA, holding Series 63 and Series 65 licenses and with 19 years of industry experience. He previously worked for Woodbury Financial Services, Inc. for 14 years before joining Osaic in 2024. Barash also owns an insurance sales business. Osaic Wealth serves a diverse client base including retail and institutional investors, offering brokerage, advisory, financial planning, and retirement consulting services through a large network of affiliated advisors. The firm utilizes firm-provided asset allocation tools and third-party platforms to construct and manage diversified portfolios on both discretionary and non-discretionary bases.

Lena Trotter Beasley is a financial advisor at Raymond James & Associates with 21 years of industry experience. She holds the Series 66 designation and previously worked at Merrill before joining Raymond James in 2017. Outside of her advisory role, she is involved in operating Smitty's Best BBQ. Raymond James & Associates provides financial planning and investment consulting through its Wealth Advisory Services Program to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm also offers institutional consulting and sponsors wrap fee advisory programs.

Terrence Kotsatos is a CFP® and ChFC® with 28 years of industry experience. He has been with Edward Jones since 2010, based in Albany, CA. 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 and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Shannon Bennett is a financial advisor with Raymond James & Associates in San Rafael, CA, holding a Series 66 designation and 22 years of industry experience. He has been with Raymond James & Associates since 2015. Raymond James & Associates provides financial planning and investment consulting through its Wealth Advisory Services Program to individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm also offers wrap fee advisory programs and institutional consulting, with a focus that includes public finance and municipal work.

Sakiko Kono is a financial advisor with Ameriprise in Richmond, CA, holding a Series 63 designation and 32 years of industry experience. She has worked at Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Outside of her advisory role, she serves as president of the board of directors for Himawari-Kai and has participated in independent film acting and jazz singing as performing arts activities. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, combining research-driven strategies and tax-efficient withdrawal planning. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of its institutional category.

Michael Heckmann is a financial advisor with Stifel in San Rafael, CA, holding a Series 63 designation and 37 years of industry experience. His prior experience includes roles at Wells Fargo Advisors LLC and Wells Fargo Clearing. Outside of advisory work, he is involved in managing a rental property in Richmond, CA. Stifel serves a wide range of clients, including individuals, institutions, and charitable organizations, offering brokerage and investment advisory services supported by a proprietary investment strategy methodology developed by its Investment Strategy Group.

Henry Korngut is a financial advisor at OSAIC with 37 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at American Portfolios Financial Services, Inc. and Pacific Wealth Group Inc. Outside of his advisory work, Korngut serves as treasurer and board member for Valley Girls Softball and is the managing director and sole owner of Golden Gate Financial Partners. He is also involved in divorce financial resolution services and acts as an independent insurance agent. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charities through a large network of affiliated advisors. The firm provides integrated brokerage, investment advisory, and financial planning services, utilizing asset-allocation tools and multiple investment platforms.

Gabriel Gutierrez Rodriguez is a Financial Consultant at Fidelity Investments, where he partners with clients to utilize a range of financial products and services aimed at advancing their financial goals. He has held this role since 2025, following his position as an Investment Consultant at Fidelity Investments from 2023 to 2025. Prior to his current tenure at Fidelity, Gabriel worked as a Financial Consultant at E*TRADE from 2019 to 2023. His earlier experience includes roles as a Premier Banker at Wells Fargo from 2018 to 2019 and as a Private Client Banker at JP Morgan Chase from 2013 to 2018. Gabriel holds a California Insurance License.

Shawn Huynh is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. He has worked at J.P. Morgan Chase Bank, N.A. and J.P. Morgan Securities since 2018, and previously held roles at Citigroup and UnionBanc Investment Services. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Patrick Farley is a financial advisor with RBC Capital Markets offering 33 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Merrill Lynch Pierce Fenner & Smith Inc., Bank of America, N.A., and City National Bank. Outside of his advisory role, he serves on the board of directors for the Marin Highlanders Rugby Club, a nonprofit sports organization. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and nonprofits. The firm offers advisory programs with discretionary and non-discretionary portfolio management, financial planning, and brokerage services tailored to clients’ risk profiles.

Mina Choo is a financial advisor at RBC Capital Markets with 31 years of industry experience. She has been with RBC Capital Markets Corporation since 2008. She holds the Series 63 designation and is based in San Francisco, CA. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individuals, institutions, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs with tailored portfolio management and investment options that include both in-house and third-party managers.

Mark Littlewood is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2018. He has been with Fidelity since 2005, progressing through positions including Financial Consultant, Investments Representative, and Financial Consultant prior to his current role. His career in financial services spans over 20 years, beginning with roles at State Farm and Eaton Vance Mutual Funds. Mark's experience encompasses a comprehensive understanding of financial planning, with a focus on client education and guiding clients through the financial planning process. He holds a California Insurance License, which supports his work in financial consulting. Outside of his professional work, Mark's personal interests include fitness, outdoor adventures, parenthood, snowboarding, and traveling.

Mark Rubin is a financial advisor at Raymond James & Associates with 35 years of industry experience. He holds Series 63 and Series 65 credentials. Outside of his advisory role, he is involved with Heather 8 Designs and manages Martin8Designs LLC, a real estate brokerage. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser serving a broad client base, including individuals, institutions, and public entities. The firm provides wealth advisory planning and investment consulting primarily on a non-discretionary basis, with a notable municipal and public finance practice supported by an extensive affiliate network.

Doug Williams is Vice President and Wealth Planner at Fidelity Investments, where he has been working since 2021. He has over a decade of experience in the financial services industry, focusing on clients' goals and concerns through a goals-based wealth planning process. Doug utilizes global resources and current web technology to assist clients in pursuing the financial lifestyles that are meaningful to them. Prior to his current role, Doug held positions as Senior Private Client Advisor at Bank of the West from 2018 to 2021, Financial Advisor at Merrill Lynch from 2014 to 2018, Director at Credit Suisse from 2010 to 2014, and Director at UBS Private Wealth Management from 2008 to 2010. He holds a California Insurance License.

Azeb Clark is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and 23 years of industry experience. She has been with Cambridge Investment Research Advisors and its affiliated firms since 2010. Outside of her primary role, she is involved as an independent insurance agent and owns a registered investment advisory firm. Cambridge Investment Research Advisors serves a diverse client base—including individuals, pension plans, charitable organizations, and trusts—offering financial planning, investment management, and retirement plan advisory services. The firm provides various investment implementation options tailored by independent Financial Professionals and features proprietary model strategies as well as access to third-party managers.