Mike Worthington is a CFP®-certified financial advisor with 14 years of industry experience, currently practicing at J.P. Morgan Securities in Tiburon, CA. His career includes roles at J.P. Morgan Securities since 2014 and JPMorgan Chase Bank, N.A. since 2016. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on written asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary program. The firm’s advisory process incorporates centralized due diligence using quantitative and qualitative research, with capabilities that include derivatives and commodities strategies.

Lary Fukunaga is a financial advisor with Wells Fargo Clearing in Berkeley, CA, holding a Series 66 designation and 12 years of industry experience. He has been with Wells Fargo Clearing since 2016 and has a longer tenure with Wells Fargo Bank NA dating back to 1999. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages roughly $671 billion in assets and leverages research from Wells Fargo Investment Institute and third-party sources to support its investment approach.

Christina York is a financial advisor at Charles Schwab with 15 years of industry experience. She holds the CFP®, ChFC®, and Series 66 designations. Prior to joining Charles Schwab and Charles Schwab Bank in 2018, she worked at Neuberger Berman LLC for five years. She currently serves on the homeowners association board for her condominium building. Charles Schwab 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a wide range of investment guidance supported by centralized operational and custody infrastructure.

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.

Zachary Klinke is a financial advisor at Charles Schwab with Series 65 and Series 63 licenses and one year of industry experience. Prior to joining Schwab, he worked at The Vanguard Group, Inc. and has a background including academic roles at several universities. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts, offering a combination of non-discretionary advisory services and access to affiliated discretionary separately managed accounts.

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 at Osaic with 19 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for Woodbury Financial Services, Inc. for 14 years. Outside of his advisory role, he owns a sole proprietorship engaged in insurance sales. OSAIC serves a diverse client base including individual investors, retirement plans, charities, and corporate clients through a multi-advisor platform that offers brokerage and advisory services. The firm uses model-based asset allocation and portfolio optimization supported by various tools and provides discretionary and non-discretionary investment strategies alongside alternative investments through third-party platforms.

Patrick Oswald serves as a Senior Financial Advisor with Merrill Lynch Wealth Management. He brings over 30 years of experience in the financial markets, focusing on constructing dividend-paying stock and bond portfolios tailored for long-term results. His client focus includes corporate executive services, equity compensation, family wealth management strategies, and retirement income planning. Patrick holds a Bachelor of Arts in Agricultural Economics (1988) and a Master of Business Administration (1992), both from the University of California. He has earned the Personal Investment Advisor (PIA) designation. His earlier education includes attending De La Salle High School in Concord, CA, where he was named Athlete of the Year and inducted into the Athletic Hall of Fame. Committed to community engagement, Patrick volunteers with Catholic Charities and serves as a football coach for the San Ramon Valley T-Birds. Outside of his professional and community activities, he enjoys golf, fishing, snowboarding, baseball, cooking, gardening, hiking, softball, and football. He resides in Danville, CA, with his wife Elisa and their four sons.

Lena Trotter Beasley is a financial advisor at Raymond James & Associates with 22 years of industry experience. She holds a Series 66 designation and previously worked at Merrill from 2015 to 2017. Outside of her financial advisory role, she is involved with Smitty's Best BBQ. 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, providing financial planning and non-discretionary investment consulting through various specialized programs and services.

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 credential and 23 years of industry experience. He has been with Raymond James & Associates since 2015. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individual, institutional, charitable, and municipal clients, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Tayo Ogundiya is Vice President and Executive Planning Consultant at Fidelity Investments, where he has been serving since 2020. In this role, he partners with clients to develop comprehensive long-term financial plans and detailed investment strategies that incorporate workplace benefits and equity compensation. He emphasizes establishing long-term relationships based on trust and reliability to help clients work toward their financial goals. Tayo has been with Fidelity Investments since 2010, holding various roles including Relationship Manager, Financial Consultant, Service and Trading Manager, and High Net Worth Supervisor. He holds a California Insurance License. Outside of his professional responsibilities, Tayo enjoys concerts, hiking, movies, music, and writing.

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, California, holding a Series 63 designation and 37 years of industry experience. His prior work includes roles at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. Outside of his advisory work, he is involved in rental property management. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies 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 worked at firms including American Portfolios Financial Services, Pacific Wealth Group, First Allied Securities, Round Hill Securities, and J.P. Morgan Securities. Outside of his advisory work, he serves as treasurer and board member for Valley Girls Softball and is involved in divorce financial resolution and insurance advisory businesses. OSAIC Wealth serves a diverse client base ranging from individual investors to institutional clients, offering a range of brokerage and advisory services. The firm employs model-based asset allocation and portfolio optimization and supports multiple investment programs delivered through a complex network of affiliated broker-dealers, RIAs, and asset managers.

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 with J.P. Morgan Securities, holding a Series 66 designation and 17 years of industry experience. He has worked at JP Morgan Chase Bank, Citigroup, UnionBanc Investment Services, and Wells Fargo Clearing. 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 and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative screens with qualitative research and may incorporate 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.

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.