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 65 and Series 63 licenses and one year of industry experience. Prior to his current role, he managed two businesses—Volt Auto Glass, an auto glass repair company, and JF Marketing, an online marketing firm. He dedicates significant time to these entrepreneurial ventures alongside his advisory work. Primerica Advisors serves primarily individual investors, including both non-high-net-worth and high-net-worth clients, along with corporate and charitable clients. The firm offers a wrap-fee asset management program using model-delivery strategies developed by unaffiliated asset managers and provides advisory services through a large network of financial advisors.

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, currently affiliated with LPL Financial since 2007. Based in Novato, CA, Lamond holds a Series 63 registration and has experience in both investment advisory and insurance services. Outside of finance, Lamond is involved in residential design and construction through a separate business venture. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm provides a range of advisory programs, financial planning, and consulting services supported by research and technology-driven approaches.

Peter Keating is a financial advisor at LPL Financial with 56 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at LPL Financial since 2025, following a decade at Western International Securities, Inc. He serves as a trustee for the Keating Marital Trust on behalf of his brother. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, and charitable organizations. The firm offers diverse advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Sean Ali is a CFP® professional with 40 years of industry experience, currently affiliated with Wells Fargo Advisors since 2013. He holds Series 63 and Series 65 licenses. Ali has ownership in several oil and gas lease ventures and investment-related businesses outside of his advisory role. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and fee-based financial planning services to individuals, trusts, and institutions. The firm provides tailored recommendations supported by proprietary research and planning tools, with a broad planning menu that includes specialized services such as business-owner transition and special-needs planning.

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.

Justin Mace is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 29 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 plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with an investment menu that includes insurance-related vehicles and bank deposit sweep options.

Matthew Hodus is a financial advisor with Stifel, holding a Series 66 designation and 26 years of industry experience. He has been with Stifel since 2015. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, providing brokerage and investment advisory services guided by a proprietary methodology developed by its Investment Strategy Group. The firm also offers services to private funds and municipal markets alongside affiliated trust companies and banks.

Mark Caubo is a Financial Solutions Advisor at Merrill Lynch Wealth Management. In this role, he works closely with clients to define their financial goals and develop portfolio strategies aimed at achieving those objectives. He provides ongoing advice and adapts clients' portfolios as their personal situations evolve. Mark's expertise includes managing competing financial priorities such as retirement planning, college savings, elder care, and healthcare preparation. He focuses on helping clients navigate these challenges through personalized guidance and strategic financial planning. He holds a Bachelor's Degree from the University of Mumbai and has earned the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations.

Anthony Ferretti is a financial advisor with Wells Fargo Clearing in Corte Madera, CA, holding a Series 66 designation and 6 years of industry experience. He has been with Wells Fargo Clearing since 2003. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and 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.

Patrick Conroy is a financial advisor at J.P. Morgan Securities with credentials including Series 66 and Series 63 licenses and approximately one year of industry experience. His prior work history includes roles at Equitable Life Insurance Company, New York Life, and NYLIFE Securities LLC. Outside of finance, he has been involved with Rodney Strong Winery Estates since 2024. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence, using an ESG eligibility framework, and offers services on a non-discretionary basis through a select group of Wealth Advisors.

Eric Caindec is a financial advisor with Wells Fargo Clearing in San Rafael, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. His prior roles include positions at Bank of America, N.A., and Merrill. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory solutions. The firm’s investment 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.

Catherine Choi is a financial advisor at Stifel with 12 years of industry experience. She holds a Series 66 designation and has worked at Merrill from 2014 to 2021 before joining Stifel Nicolaus & Co Inc. in 2021. Stifel serves a broad range of clients, including individuals, institutional accounts, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach is based on a proprietary methodology developed by its Investment Strategy Group, utilizing forward-looking capital market assumptions and probabilistic modeling to guide asset allocation and financial planning.