Scott Poland is a financial advisor with Wells Fargo Clearing in El Cerrito, CA, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. He has worked with Wells Fargo Advisors LLC and Wells Fargo Clearing since 2011. Outside of his advisory role, he is involved in managing a rental property in Richmond, CA. 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 advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Ron Freund is a financial advisor with LPL Financial in Emeryville, CA, holding a Series 63 designation and over 42 years of industry experience. His prior experience includes nearly three decades with The Social Equity Group, as well as roles at Western International Securities, Inc. and Financial West Group. Freund also provides research services to The Social Equity Group, an independent registered investment advisor. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a broad network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, retirement plan consulting, and brokerage services.

Michael Rossi is a financial advisor with Raymond James Financial Services Advisors, Inc. in Danville, CA, holding a Series 66 designation and 10 years of industry experience. He has worked at Raymond James since 2016 and previously spent one year at Wells Fargo Advisors. Outside of advising, Rossi serves as Chief Operating Officer for Elevon Wealth Management. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, charitable organizations, corporations, and municipal entities. The firm provides financial planning and non-discretionary investment consulting, emphasizing tailored financial plans and a range of implementation options, with a significant portion of its advisory business conducted on a non-discretionary basis.

Yuanning Hu is a financial advisor at Merrill with 2 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2018 as well as Bank of America N.A. since 2024. Prior to his finance career, he was involved in the restaurant industry with Coco's Ramen and Sushi Raw Restaurant. 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 diverse client base that includes individuals, high-net-worth clients, pension plans, and charitable organizations. The firm integrates with Bank of America’s broader platform, offering access to a wide range of products and services.

Adam White is a financial advisor at Robert W. Baird & Co. with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Baird since 2017, following prior roles at Eaton Vance Management and Eaton Vance Distributors, Inc. He is part of The DDK Group, a team within Robert W. Baird & Co.’s Private Wealth Management practice that serves individuals, families, pensions, profit-sharing plans, corporations, charitable organizations, and institutional clients. The group offers a range of consulting and portfolio services tailored to client goals and risk tolerances, utilizing both in-house and third-party managers across traditional and non-traditional investment strategies.

Robert Emmer is a CFP®-designated financial advisor with 48 years of industry experience. He is currently affiliated with Raymond James Financial Services Advisors and Silversage Advisors, where he serves as an independent contractor financial planner. His prior experience includes roles at Geneos Wealth Management and Linsco Private Ledger. Raymond James Financial Services Advisors provides financial planning and investment consulting to individual and high-net-worth investors, pension and profit-sharing plans, charitable organizations, and government entities. The firm offers tailored advisory services, including a specialized SIMPLE IRA Employer Advisory & Consulting Services program for small businesses.

Justin Adams is a financial advisor with Raymond James & Associates in San Rafael, CA, holding Series 63 and Series 65 licenses and 25 years of industry experience. He has been with Raymond James & Associates since 2014. Raymond James & Associates offers 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 provides institutional consulting and has capabilities in public finance and municipal work.

Brian Gallagher is a financial advisor at Wells Fargo Clearing with eight years of industry experience. He holds a Series 66 designation and has been with Wells Fargo Clearing since 2017. Prior to that, he worked at AmeriCan Adventures from 2013 to 2017. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Khalid Bashir is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds the Series 63 and Series 66 designations and has been with Wells Fargo Clearing Services LLC and Wells Fargo Bank NA since 2016. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Christopher Vetrano is a financial advisor with Raymond James Financial Services Advisors, Inc. in San Francisco, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. He previously worked at Wells Fargo Advisors LLC before joining Raymond James in 2016. Vetrano is also involved in operations at Elevon Wealth Management. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm offers financial planning and non-discretionary investment consulting, emphasizing tailored strategies through extensive research and risk profiling.

Maria Cecilia Gapunuan is a financial advisor at OSAIC with 16 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Sagepoint Financial Inc. and AIG Financial Advisors, Inc. Her other business activities include assisting clients with group insurance service issues through Stacy Hering Astor & Associates Inc. OSAIC serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations, offering integrated brokerage and advisory services, financial planning, and access to multiple investment platforms and third-party money managers.

Jordan Parker is a financial advisor at LPL Financial with 20 years of industry experience. He holds the Series 66 designation and has been with LPL Financial since 2008. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of financial planning and advisory programs supported by both discretionary and non-discretionary management, utilizing model portfolios and research from LPL Research and third-party subadvisors.

Jonathan Thompson is the Resident Director at Merrill, where he has been serving clients since 2005. In his role, Jonathan emphasizes a comprehensive approach to wealth management, beginning with understanding each client’s unique needs and goals. He connects clients with the investment expertise of Merrill Lynch Wealth Management and the banking services of Bank of America to address various financial aspects. His focus areas include college education planning, family and international wealth management, retirement planning, tax minimization, and small business strategies, among others. Jonathan holds a Bachelor’s degree in Finance from Azusa Pacific University and the Chartered Retirement Planning Counselor™ (CRPC) designation. He works closely with professionals, business owners, and affluent families to develop wealth management strategies aimed at optimizing wealth while managing risk. Jonathan is also committed to his local community in Novato and Marin County, where he volunteers by coaching youth sports. Outside of his professional responsibilities, Jonathan enjoys tennis, golf, hiking, and spending time with his family.

Olivia Born is a financial advisor at Charles Schwab & Co., Inc. with a Series 66 credential and one year of experience at the firm. Her prior work experience includes roles outside of finance, such as positions at Jackson Family Wines, RH, and Quail & Condor Bakery. 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 SMAs and utilizes multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Patrick Torrey is a financial advisor at Charles Schwab with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Charles Schwab and Charles Schwab Bank since 2010 and 2012, respectively. 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 relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and due diligence on alternative investments.

Nicholas Knudsen is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds a Series 66 designation and has worked previously at Prudential Insurance Company of America, Target Corporation, and AAA Insurance. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines institutional advisory capabilities with brokerage, distribution, and investment management services.

Timothy Baughman is a financial advisor with Merrill in San Rafael, CA, holding Series 63 and Series 66 licenses and over 30 years of industry experience. He has worked at Bank of America and Merrill since 2015. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a broad range of investment strategies implemented by Managed Account Advisors LLC and Merrill’s Chief Investment Office. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Frank Lavin II is a CFP® with eight years of industry experience, currently serving as a financial advisor at OSAIC since 2024. Prior to joining OSAIC, he worked with Securities America Advisors and Securities America, Inc. for six years. He is also an owner and partner of Columbus Advisors, a California general partnership. OSAIC Wealth, Inc. serves a broad mix of retail and institutional clients through an extensive network of affiliated advisers and multiple advisory platforms. The firm utilizes a variety of proprietary tools and third-party solutions to construct diversified portfolios and offers integrated brokerage, advisory, and financial planning services.

Henrik Nielsen is a financial advisor at Wells Fargo Clearing with 26 years of industry experience. He holds a Series 66 designation and previously worked at Bank of America for 21 years before joining Wells Fargo in 2020. Outside of his advisory role, he serves in various leadership positions overseeing family investment interests and development projects in Denmark. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is IPS-driven and includes a broad range of financial product offerings such as insurance-related vehicles and bank deposit sweep options.

Michael Ariyoshi is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. His prior roles include positions at Wells Fargo Clearing, Morgan Stanley Private Bank, and Wells Fargo Advisors. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and investment recommendations through its Wealth Advisory Services Program and delivers institutional consulting via its Institutional Fiduciary Solutions division.