Jeffrey Semp is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2009. In this role, he provides clients with access to Fidelity's investment platform and collaborates closely with his team to support clients' financial goals. With over 24 years of experience in financial planning, Jeffrey has developed expertise in assisting individuals and families in achieving their financial objectives. Prior to joining Fidelity, he worked as a Financial Advisor at Wells Fargo Advisors from 2002 to 2009. Jeffrey holds a California Insurance License. Outside of his professional responsibilities, he enjoys biking, sailing, surfing, tennis, and traveling.

Adam Slowik is a financial advisor at UBS Financial Services with 27 years of industry experience. He holds a Series 66 designation and has been with UBS since 2009. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor strategies to clients’ goals and risk tolerances.

Jason Byrd is a financial advisor with Merrill in Mill Valley, CA, holding a Series 66 designation and six years of industry experience. His prior roles include positions at JLFranklin Wealth Planning and Gideon Strategic Partners. He has also worked outside the advisory industry, including roles related to Pepperdine University and the Lisa Smith Wengler Center for the Arts. 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, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

James Costello is a CFP® with 31 years of industry experience, currently serving at Cambridge Investment Research Advisors since 2016. He has also worked with National Life of Vermont since 2002. Costello is the author of a book on sustainable investing and serves as treasurer for FossilFreeCA.org, a lobbying organization. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing both proprietary and third-party strategies across multiple custody platforms.

John Engstrom is a Financial Consultant at Fidelity Investments, a position he has held since 2019. In this role, he works closely with clients to understand their personal and financial goals, analyze their current financial situation, and develop tailored plans to help them achieve their definition of success. He continues to monitor and update these plans to ensure clients remain on track toward their objectives. John has extensive experience in the financial services industry, having served as an Investment Consultant at Fidelity Investments from 2016 to 2019 and as a Financial Advisor at Ameriprise Financial from 2013 to 2016. Earlier in his career, he was an Account Executive at Accredited Home Lenders from 2003 to 2005. He holds a California Insurance License.

Patrick Giamanco is a financial advisor at Edward Jones with one year of industry experience. He holds a Series 66 designation and previously worked at Envestnet | Yodlee for 13 years. Outside of finance, he operates an online artwork sales business focused on photography. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary investment strategies, and manages approximately $1.01 trillion in assets through a nationwide network of over 23,000 financial advisors.

Shawn Campas is a CFP® professional with 12 years of industry experience, currently serving as a financial advisor at OSAIC since 2024. He previously worked at Woodbury Financial Services, Inc. for 10 years and has been associated with Stark Miller FBG (BAMCO Financial) since 2012. In addition to his advisory role, Campas volunteers on the Rotary Club of Novato Endowment Board, where he contributes to community project decisions. OSAIC serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations through a wide network of advisers. The firm offers integrated brokerage, advisory services, and access to third-party investment managers, utilizing asset-allocation tools and automated portfolio rebalancing.

Mohsin Hafeez is a CFP® with 15 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors, LLC from 2013 to 2016. Outside of his advisory role, Hafeez is involved in education, teaching financial analysis and corporate finance courses at Golden Gate University, Hult International Business School, and UC Berkeley Extension, and he owns an education consultancy called Global Minerva Alliance. 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 IPS-driven approach incorporates modern portfolio theory and includes insurance-related investment options alongside traditional products.

Mark Schneeberger is a financial advisor at OSAIC with 27 years of industry experience. He holds the ChFC® designation and has been with OSAIC since 2007. He is also a licensed real estate agent, referring real estate sales through Berkshire Hathaway. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services, as well as access to multiple advisory platforms and third-party money managers.

Natalie Patterson is a financial advisor at Fidelity with one year of industry experience. She holds a Series 66 designation and has previously worked as a Retirement Investment Specialist and at Passarell Tax and Bookkeeping Services. Fidelity’s affiliate, Strategic Advisers LLC, provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.

Caesar R. Ruegg is a financial advisor with UBS Financial Services, holding a Series 66 designation and 26 years of industry experience. He has been with UBS since 2001. UBS Financial Services Inc. serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor strategies to client goals.

Nancy Tattersall is a CFP® certificant and Series 63 licensed financial advisor based in San Rafael, CA, with three years of industry experience. She has been with Pinnacle Retirement & Financial Planning since 1996. Nancy is the sole advisor at this independent firm. Pinnacle Retirement & Financial Planning operates as a boutique independent advisory firm.

Gatian Cunningham is a financial advisor at Hearth Capital Management with 28 years of industry experience. He is based in Mill Valley, CA. Hearth Capital Management provides portfolio management and financial planning services to a small client base of individual investors. The firm focuses on one-on-one advisory relationships and serves primarily non-high-net-worth individuals, using an hourly fee structure that is uncommon among similar firms.

Michael Schmitz is a financial advisor with Schmitz Capital Partners, LLC, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. He has worked at Schmitz Capital Partners since 2015 and has been affiliated with Osaic Wealth, Inc. since 2009. Schmitz is also licensed to offer various insurance and annuity products to clients. Schmitz Capital Partners serves individual and high-net-worth clients, as well as trusts, pension plans, and institutional clients, managing approximately $125 million in assets. The firm employs a proactive, holistic investment approach that incorporates asset-allocation planning software, risk-tolerance assessments, efficient-frontier analysis, and both fundamental and cyclical analysis across long- and short-term strategies.

Harris Holzberg is a financial advisor at Holzberg Wealth Management, Inc. with 18 years of industry experience. He holds the ChFC® designation as well as Series 63 and Series 65 licenses. He has been with Holzberg Wealth Management since 2013. In addition to his advisory role, Holzberg provides securities expert witness and litigation support services. Holzberg Wealth Management is a small firm based in Corte Madera, CA, serving clients with personalized wealth management strategies.

Philip Rice is a financial advisor at Warm Springs Advisors Inc. with six years of industry experience. He holds the Series 63 and Series 65 designations and previously worked at Private Wealth Partners from 2014 to 2019. Warm Springs Advisors offers discretionary asset management and modular financial planning to individual and high-net-worth clients. The firm emphasizes long-term, value-oriented equity selection and uses strategic asset-allocation adjustments, managing approximately $131 million across a small number of client accounts.

Nathaniel Cornell is a financial advisor at Warm Springs Advisors Inc. with 13 years of industry experience. He also serves as President and Director of Home Savings Bank in Wapakoneta, Ohio, and holds executive roles at Cornell and Finkelmeier, Inc., a property and casualty insurance firm. Warm Springs Advisors provides discretionary asset management combined with modular financial planning and consulting to individual and high-net-worth clients. The firm emphasizes long-term, value-oriented equity selection and strategic asset-allocation adjustments, managing concentrated portfolios on a discretionary basis.

Steven Schmitz is the president and chief compliance officer of Schmitz Capital Partners, LLC, with 40 years of industry experience. He has been with Schmitz Capital Partners since 2015 and has an ongoing association with OSAIC since 1997. Schmitz also prepares income tax returns and projections for select clients as part of a sole proprietorship. Schmitz Capital Partners primarily serves individual and high-net-worth clients, as well as trusts, pension plans, and other institutional clients, managing approximately $125 million in assets. The firm offers asset management, financial planning, and pension consulting through a platform that utilizes asset-allocation software, risk-tolerance questionnaires, and fundamental and cyclical analysis, with regular portfolio reviews and due diligence on alternative investments.