Matthew Morgan is a financial advisor at Fidelity with two years of industry experience. He holds a Series 66 designation and has worked at Fidelity Investments since 2022. Prior to his advisory role, his background includes positions at the University of California, Davis, Peet's Coffee, and the College of Marin. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and oversees sub-advisers while addressing conflicts of interest.

Joiya Mitchell is a Financial Consultant at Fidelity Investments, a role she has held since 2023. She has been with Fidelity since 2015, serving in various positions including Assistant Branch Leader, Financial Consultant, and Investment Consultant. Prior to joining Fidelity, Joiya worked as an Active Trader Consultant at E*Trade Financial from 2006 to 2014. With over 20 years of experience in financial services, Joiya leverages her expertise and the resources available at Fidelity to assist clients in planning and investing with intentionality. She values maintaining high ethical standards and integrity in her work, aiming to help clients transition through life confidently by crafting thoughtful financial plans tailored to their goals. Joiya holds a California Insurance License. In her personal time, Joiya enjoys cooking and baking, family activities, hiking, singing, and volunteering. She is also engaged in parenthood, balancing her professional and personal commitments.

Will Martens is an Investment Consultant at Fidelity Investments, where he partners with clients to understand their financial goals and build personalized financial roadmaps. Through thoughtful planning and guidance, he helps clients make informed decisions and maintain confidence in their strategies. Prior to joining Fidelity in 2026, Will worked at Valley Oak Wealth Management. He served as a Financial Advisor from 2025 to 2026 and as a Research & Investment Analyst from 2020 to 2025. He holds a California Insurance License.

Andrew Klase is a Financial Consultant at Fidelity Investments, a role he has held since 2025. He collaborates with clients to understand their personal financial goals and utilizes Fidelity's resources to develop tailored financial plans and investment strategies. Andrew has been with Fidelity Investments since 2018, progressing through various roles including Investment Consultant, Planning Consultant, Relationship Manager, and Financial Representative. Prior to joining Fidelity, he worked at Charles Schwab & Co Inc as a Client Relationship Specialist and at Schwab Charitable as a Donor Relations Specialist. He holds a California Insurance License.

Robert Barnes is a financial advisor with Charles Schwab in Tiburon, CA, holding Series 63 and Series 65 licenses and 26 years of industry experience. He has been with Charles Schwab since 2000. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and employs multi-asset model portfolios supported by centralized custody and operational infrastructure.

Brian Macdonald serves as a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has been providing wealth management services since 1992. Partnering initially with his father, Brian focuses on family wealth management strategies, personal retirement planning, portfolio management, tax minimization, and retirement income. His approach emphasizes thoughtful, proactive support to help clients make sound financial decisions aligned with their long-term goals and values. Brian holds a B.S. in Business Administration from California State University, Sacramento. He is FINRA registered and holds multiple licenses, including insurance and mortgage licenses. Additionally, he has earned professional designations such as Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His expertise involves navigating the financial landscape and supporting multigenerational family financial planning to help clients efficiently manage their assets and legacy. Outside of his professional work, Brian enjoys outdoor activities including hiking, backpacking, rafting, and global travel focused on less frequented destinations. He also has interests in cooking and exploring the diverse cuisine of the San Francisco Bay Area. Brian is involved in community organizations such as the Boy Scouts, Cal Trout, and the Marine Mammal Center. He resides in Petaluma, California.

Zoubir Belkacemi is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and seven years of industry experience. He has worked at J.P. Morgan Securities since 2019 and concurrently at JPMorgan Chase Bank, N.A. since 2016. Prior to that, he was employed at UBER Technologies from 2014 to 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset-allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Shalom Morgan is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 22 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2011 to 2016. 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.

Robert Holt is a CFA® charterholder with 18 years of industry experience, currently serving as a financial advisor at Morgan Stanley in San Rafael, CA. His prior experience includes nine years at Wells Fargo Clearing and Wells Fargo Advisors. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutions. The firm provides tailored financial planning using structured discovery conversations and proprietary planning tools, managing approximately $2.74 trillion in client assets.

Lars Monroe is a financial advisor at Morgan Stanley with 36 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2009, including time at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a variety of advisory programs to individuals and institutions. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets, utilizing structured planning tools and the Global Investment Committee’s resources to model financial outcomes.

Alberto Fuentes Perez is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses, and has one year of industry experience. Prior to his advisory role, he managed Volt Auto Glass and owns JF Marketing, an online marketing business. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients, employing model-driven investment strategies supported by third-party asset managers and custodians.

Megan Feeney is a financial advisor at Wells Fargo Clearing with a Series 66 designation and four years of industry experience. She has worked at Wells Fargo Clearing Services since 2021 and previously held roles at US Sports Camps Inc. and the University of Redlands. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering investment policy development, performance reporting, participant education, and discretionary investment management. 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.

Tracy Lamond is a CFA® charterholder with 40 years of industry experience and has been with LPL Financial since 2007. Prior to that, she worked at U.S. Bancorp Investments for two years. Outside of her advisory role, she is involved in residential design and construction through her company, Lamond Company Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to third-party asset managers, utilizing various portfolio strategies and advanced research tools.

Peter Keating is a financial advisor with LPL Financial in Novato, CA, holding Series 63 and Series 65 credentials and bringing 56 years of industry experience. His prior roles include positions at Western International Securities, Wells Fargo Clearing, and UBS Financial Services. He also serves as a trustee for a family marital trust. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides a broad range of advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm supports diverse investment strategies and combines advisory services with a variety of financial products and partnerships.

Patricia Benner is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. She has been with Morgan Stanley and its affiliated entities since 2007. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by structured discovery processes and advanced modeling tools.

Helen Abe is a financial advisor at RBC Capital Markets with 33 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Bank of America, Merrill, and City National Bank. Outside of her advisory role, Abe teaches financial education courses for women through the Women's Bureau Financial Education Program and College of Marin, and she serves on the board and finance committee of Hospice by the Bay. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individuals, institutions, and charitable organizations. The firm offers various advisory programs with tailored strategies implemented through in-house and third-party managers, providing portfolio management, financial planning, custody, and brokerage services.

Robert Schulman is a financial advisor with Edward Jones in Novato, CA, holding Series 63 and Series 65 credentials and serving clients for 30 years. He has been with Edward D. Jones & Co., L.P. since 1996. 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 through a nationwide network of about 23,701 advisors, offering a range of discretionary and non-discretionary investment strategies alongside affiliated mutual funds and tax-efficient services.

Jonathan Sutherland is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. His prior work includes positions at Brockton Villa, Starbucks, and Oregon State University. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Nathaniel Lopez is a financial advisor at Morgan Stanley with eight years of industry experience. He previously worked at Northwestern Mutual Investment Services LLC and Northwestern Mutual Life Insurance Company, and held a role at the University of the Pacific. Lopez holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and modeling techniques.

David Caprio is a financial advisor with Morgan Stanley in San Rafael, CA, holding a Series 66 designation and 20 years of industry experience. He has worked at Morgan Stanley since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning utilizes structured discovery conversations and approved tools, incorporating modeling techniques like Monte Carlo simulations, while clients retain responsibility for plan implementation and updates.