Fanny Guo is a CFP® with 18 years of industry experience, currently with Mercer Global Advisors Inc. She has been with Mercer since 2015. Outside of her advisory role, she is involved as a health insurance broker with Covered California, focusing on private health insurance coverage for individuals and small businesses. Mercer Global Advisors provides investment advisory and planning services to a diverse client base, including individuals, high-net-worth families, small business owners, corporate plan sponsors, and nonprofit organizations. The firm employs a globally diversified investment approach grounded in Modern Portfolio Theory and offers a range of portfolio management and planning services.

Gregory Bernhardt is a CFP® with 46 years of industry experience, currently affiliated with Independent Financial Group, LLC. His career includes significant tenures at Clayton Consulting Group since 1994 and NPB Financial Group, LLC from 2013 to 2022. Bernhardt also held a position at Kingswood Capital Partners, LLC in 2022. Independent Financial Group, LLC serves a diverse client base including individuals, high-net-worth clients, trusts, corporate and pension plans, and charitable organizations. The firm offers a range of advisory and brokerage services, employing both passive and active investment strategies through discretionary and non-discretionary portfolio management.

Michael Spector is a financial advisor at Focus Partners Wealth, LLC with 26 years of industry experience. He holds the PFS™ designation and Series 65 license. His prior experience includes roles at Vista Wealth Management, LLC, Adero Partners, LLC, and Media Wealth, LLC. Outside of advisory work, he serves as managing member or CEO of several investment-related entities involved in private real estate and private company investments. Focus Partners serves individuals, high-net-worth families, family offices, and institutional clients with wealth management, investment management, financial planning, and business management services. The firm employs a tax- and fee-sensitive investment approach combining active and passive strategies, private funds, and third-party managers under an enhanced open architecture framework.

Phillip Gomez is a financial advisor at Sanctuary Advisors, LLC with 9 years of industry experience. He holds the Series 66 designation and has previously worked at Bank of America and Merrill Lynch. He also spent a year at Lyft before joining his current firm. Sanctuary Advisors, LLC serves a broad mix of clients including individuals, corporations, pension and profit-sharing plans, trusts, estates, and charitable organizations. The firm offers portfolio management, financial planning, and retirement plan consulting through more than 400 independent investment adviser representatives using a variety of investment strategies and platforms.

Kevin Higgins is a financial advisor with TIAA-CREF in Walnut Creek, CA, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He has been with TIAA-CREF since 2017. Outside of his advisory role, Higgins serves as a board member for Lamorinda Lacrosse, a local youth sports organization. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, and small retirement plans, often serving clients connected to TIAA-administered employer retirement plans. The firm operates a vertically integrated advisory model that includes customized portfolio management and donor-advised fund services.

Michaela Courtemanche is a financial advisor at Sanctuary Advisors, LLC with two years of industry experience. She holds a Series 66 designation and has previously worked in various roles within collegiate and professional football departments, including at Arizona State University and the Tampa Bay Buccaneers. Sanctuary Advisors, LLC provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, pension plans, trusts, and charitable organizations, through a network of over 400 independent investment adviser representatives. The firm offers portfolio management, retirement plan consulting, and other advisory services using a range of analytical approaches and maintains affiliations with several affiliate firms on its platform.

Jacob Gee is a CFP® professional with six years of experience in the financial services industry. He has been with Mercer Global Advisors Inc. since 2019 and previously worked at AssetMark Brokerage, LLC and AssetMark Financial, Inc. He is based in Walnut Creek, CA. Mercer Global Advisors serves individuals, families, small business owners, plan sponsors, foundations, non-profits, and endowments by offering discretionary and non-discretionary investment advisory services alongside financial, tax, retirement, and estate planning. The firm’s investment approach is based on Modern Portfolio Theory, employing globally diversified, risk-appropriate portfolios through a blend of low-cost ETFs, index funds, separate account managers, direct indexing, and specialized fund options.

Kelly Milligan is a Series 66-licensed financial advisor with 26 years of experience, currently with Sanctuary Advisors, LLC since 2021. She previously worked at Bank of America, N.A. for 10 years and Merrill Lynch for 21 years. Milligan serves as a committee member on the finance committee of the Lazarex Cancer Foundation, a nonprofit that supports end-stage cancer patients through assistance with clinical trial participation and community outreach. Sanctuary Advisors, LLC provides investment advisory and financial planning services to a diverse client base including individuals, corporations, pension plans, trusts, estates, and charitable organizations through a network of over 400 independent advisers. The firm offers multiple portfolio management options and employs a range of analytical approaches while acting as a fiduciary under written agreements.

Richard Perry is a financial advisor at Empower Advisory Group with 24 years of industry experience. He holds a Series 66 designation and has previously worked at GWFS Equities, Wells Fargo Clearing, and JP Morgan Securities. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, offering integrated services tied to Empower’s recordkeeping and administrative platforms. The firm’s approach emphasizes long-term portfolio returns and annual rebalancing within plan lineups selected by plan sponsors.

Shabina Rafiq is a financial advisor at Mariner with 25 years of industry experience. She holds the ChFC® designation along with Series 63 and Series 65 licenses. Her prior experience includes roles at Commonwealth Financial Network and Msec, LLC. Additionally, she is a notary public. Mariner serves a diverse client base including high-net-worth individuals, pension plans, trusts, and charitable organizations, offering investment management, financial planning, retirement consulting, and coordinated tax and family office services. The firm employs customized discretionary portfolios supported by in-house research and third-party managers, with a notable integration of tax and accounting services uncommon among large enterprises.

Christopher Benz is a financial advisor with Ameritas Advisory Services, LLC, holding a Series 66 designation and two years of industry experience. He previously worked with Ameritas Investment Company, LLC, David White & Associates, and has entrepreneurial experience with Elite Aesthetics Consulting Co. Ameritas Advisory Services, LLC provides investment advisory and financial planning services to a diverse client base, including individual investors, retirement plans, charitable organizations, and corporate clients. The firm offers a variety of managed account programs and fee-based management of variable annuity and universal life subaccounts, supported by a network of Investment Adviser Representatives and third-party partners.

Alexis Trauger is a CFP® professional with 11 years of industry experience, currently serving as a financial advisor at Creative Planning since 2019. Prior to this, Alexis worked at Ameriprise Financial Services, Inc. for five years. Outside of financial advising, Alexis is an artist involved with SwoonBox, a retail arts and crafts business. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base including individuals, pension plans, trusts, and corporations. The firm employs a financial-planning-led investment approach focused on low-cost indexing, buy-and-hold strategies, and selective private market exposure while offering fiduciary advisory services and a range of institutional and retirement plan solutions.

Jessica Mc Curdy is a financial advisor at Private Advisor Group, LLC with 22 years of industry experience. She holds the Series 66 designation and has worked previously at Mariner Independent Advisor Network, LPL Financial, and Ameriprise. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans, offering portfolio management, financial planning, and retirement plan consulting with a fiduciary-based advisory model that includes various investment strategies and technology platforms.

Kyle Ryan is a CFP® and Series 65-registered financial advisor with 16 years of industry experience. He currently works at Mariner Wealth Advisors and has previously been with firms including Personal Capital Advisors Corporation and GWFS Equities, Inc. Mariner serves a diverse client base including individuals, high-net-worth households, pension plans, trusts, and charitable organizations, offering investment management, financial planning, retirement plan consulting, and coordinated tax and family office services. The firm employs discretionary, customized portfolios supported by an Investment Committee and an internal management team, with a notable integration of tax and accounting capabilities uncommon in large advisory enterprises.

Kristin Bartlow is a CFP® with 16 years of industry experience, currently affiliated with Hightower Advisors. Her prior experience includes roles at Journey Strategic Wealth LLC and Northwestern Mutual Wealth Management Company. She is the owner of Kristin Bartlow, LLC, a legal business entity. Hightower Advisors offers investment advisory and planning services to a diverse client base, including individual and institutional investors. The firm’s approach emphasizes multi-manager solutions and manager selection, utilizing both affiliated and third-party managers across various investment vehicles.

Stephanus Hermanto is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 credentials and bringing 10 years of industry experience. His career includes roles at IBM and ongoing involvement with firms such as inheritguard, LLC, where he provides education and support on estate planning issues. Additionally, he assists clients with insurance needs through the Covered California Health Insurance Marketplace. Transamerica Financial Advisors serves a broad client base including individuals, retirement plans, trusts, and businesses, delivering services through a large advisor network and multiple program platforms. The firm’s investment approach primarily utilizes model portfolios and third-party managers, combining proprietary and external strategies with an integrated retirement plan ecosystem.

Charles Osivwemu is a financial advisor with Guardian Life in Brentwood, CA, holding Series 63 and Series 65 licenses and having 10 years of industry experience. He has worked with several firms, including New York Life, Eagle Strategies, MassMutual, and Park Avenue Securities. His outside business activities include insurance brokering with appointed outside carriers for non-registered products. Charles is affiliated with Park Avenue Wealth Management, a subsidiary of The Guardian Life Insurance Company of America that serves individuals, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm offers brokerage services, financial planning, retirement plan consulting, and various investment advisory programs.

Michael Turley is a financial advisor at Mercer Global Advisors Inc. with 21 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at First Command Financial Planning, Inc. for 19 years before joining Mercer in 2023. Mercer Global Advisors provides investment advisory and related planning services to individuals, high-net-worth families, small business owners, corporate plan sponsors, foundations, and nonprofits. The firm’s investment approach is based on Modern Portfolio Theory, focusing on globally diversified, risk-appropriate portfolios with multi-factor tilts and uses a range of implementation options including ETFs, mutual funds, separate accounts, and direct indexing.

Jonathan Rudolfs is a financial advisor at SPC with the ChFC® designation and Series 66 license, and has six years of industry experience. He has been with SPC since 2020 and has worked at Parkland Securities since 2015. In addition to his advisory role, he is involved with Hanna Insurance and Financial Solutions, assisting clients with employer-sponsored SERPs, insurance, and financial product options. SPC provides investment management, financial planning, and retirement-plan advisory services to individual investors, employer-sponsored plans, charitable organizations, and corporate clients. The firm supports a large network of advisors serving over 30,000 clients and offers tailored, discretionary investment advice primarily through managed account programs and partnerships with third-party advisers.

Angela Berry is a financial advisor at TIAA-CREF in Walnut Creek, CA, with 22 years of industry experience. She holds a Series 66 designation and has previously worked at firms including Fidelity, JPMorgan Securities, Merrill, and Bank of America. Outside of her advisory role, she is involved with a modeling agency. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients with existing TIAA retirement relationships. The firm offers a range of advisory services including model portfolio management and customized portfolio solutions within a fiduciary framework.