Erin Sinclair is a Certified Financial Planner™ (CFP®) based in San Mateo, CA, affiliated with Edward Jones. She has 27 years of industry experience, including 12 years with Edward Jones. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a broad range of advisory programs and investment options, operating under a fiduciary standard while maintaining a large retail advisor and branch network.

Ronald Bland is a financial advisor at OSAIC with 41 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Royal Alliance Associates, Inc. and Signator Investors, Inc. Bland is also involved in insurance and property-casualty businesses, serving as president of AEIS Inc. and as a principal and 50% owner of Allied Brokers Inc. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services. The firm’s approach includes asset-allocation tools, risk-tolerance assessments, and automated rebalancing across portfolios that may include various asset classes, managed on discretionary or non-discretionary bases.

Chau Huynh is a financial advisor at Merrill with 25 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Merrill Lynch since 2000. Merrill, together 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.

Shishun Kryskalla is a financial advisor at Ameriprise in San Mateo, CA, holding Series 65 and Series 63 licenses with five years of industry experience. Prior to joining Ameriprise in 2024, he worked at The Blakeley Group, Morgan Stanley, UBS Financial Services, Mercer Global Advisors Inc., and Dragon Financial Group. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning with tax-aware withdrawal strategies and a written Recommendation Report.

Bassel Mansour is a financial advisor with OSAIC based in San Carlos, CA, holding Series 63 and Series 65 licenses and with 10 years of industry experience. He has worked at Royal Alliance Associates, INC. since 2018 and owns Golden Gate Mansour, a financial advising business he has operated since 2007. Mansour is also the owner of Golden Gate Financial & Insurance Solutions, a firm providing financial advising and fixed insurance products. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering brokerage and advisory services, financial planning, retirement consulting, and access to various managed account platforms. The firm employs asset-allocation tools, risk assessments, and automated rebalancing to construct diversified portfolios including stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Keith Virnoche is a Wealth Management Advisor and Senior Vice President at Merrill Lynch Wealth Management. He joined Merrill Lynch Wealth Management in 1984 and serves as a qualified Portfolio Manager. In his role, he provides traditional financial advice and guidance, while also building and managing personalized investment strategies that may include individual stocks and bonds, Merrill Lynch model portfolios, and third-party investment strategies. As a Portfolio Manager within the firm's Investment Advisory Program, he may manage strategies on a discretionary basis. Keith earned a Bachelor's degree from the University of Wisconsin, an MBA from the University of Evansville, Indiana, and a Master of Science in Financial Planning from Golden Gate University in San Francisco. He holds the CERTIFIED FINANCIAL PLANNER® (CFP®) and Chartered Retirement Planning Counselor™ (CRPC™) designations, maintaining both since 2004. He is a member of The Peninsula Golf and Country Club in San Mateo, California, and participates in community activities with Mills - Peninsula Health Services in Burlingame, California.

Grant Liu is a financial advisor with J.P. Morgan Securities in Burlingame, CA, holding Series 66 and Series 63 licenses and having five years of industry experience. He has been with J.P. Morgan Securities and JPMORGAN Chase Bank, N.A. since 2018. Prior to his current roles, he worked at Vive la Mode for two years and attended Sonoma State University. 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 and applies an ESG eligibility framework when recommending investment strategies.

Josh Ebadi is a Series 66 licensed financial advisor at Merrill with five years of industry experience. His prior roles include positions at J.P. Morgan Securities and Bank of the West. He has also worked at the University of California and the Santa Cruz Area Chamber of Commerce. Merrill 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, and institutional investors.

Robert Breyer is a financial advisor at Morgan Stanley with two years of industry experience. His prior roles include positions at Punch and Associates, KeyBank, and DIS, as well as experience outside finance at Carleton College and Pagliacci Pizza. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs a structured financial planning process that includes firm-approved tools and models client outcomes using recognized methodologies.

Andrew Freeman is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and bringing nine years of industry experience. He has been with Cambridge Investment Research Advisors since 2017 and previously worked at Participant Media for four years. Freeman is also engaged in tax preparation services and owns Freeman Wealth Planning. Cambridge Investment Research Advisors is a large SEC-registered firm serving 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, employing various portfolio management and model-based strategies tailored to client objectives.

Ramin Sohrabi is a financial advisor at Merrill with six years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2020, with prior experience at Bank of America, N.A. Outside of his advisory role, he works part-time as a food delivery driver for DoorDash. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Revital Alon is a financial advisor with Ameriprise in Redwood City, CA, holding a Series 66 designation and totaling 23 years of industry experience. She has been with Ameriprise and its affiliated entities since 2009. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and annual retirement-income planning advice focused on dependable income and tax-aware withdrawal strategies.

Patrick Quinn is a financial advisor with Mass Mutual Investors Services in Pacifica, CA, holding a Series 66 designation and two years of industry experience. His prior work includes roles at Northwestern Mutual and Penske Truck Leasing, along with administrative experience outside the financial sector. He also works part-time as an administrative assistant at a physical therapy business. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes annual, collaborative planning engagements using firm-approved tools and offers specialized programs including estate settlement and employer-sponsored planning.

Jeffrey Ting is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing decades of industry experience to his role. He began his financial services career at Merrill Lynch Wealth Management in 1997 and joined his father, the late John Ting, in 1999. He specializes in wealth planning, retirement strategy, investment guidance, college savings, concentrated stock strategy, tax minimization, survivorship, and estate plan analysis, with a focus on providing guidance to small to medium-sized businesses in selecting 401(k) plans and estate planning services. Jeffrey holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned a bachelor's degree from the University of California, Berkeley. He is a member of professional organizations such as the Investments & Wealth Institute™. In addition to his professional work, Jeffrey is involved in community activities and serves as an annual sponsor of The Guardsmen and the Mills-Peninsula Women's Center. He supports the San Francisco International Asian American Film Festival, the Cal Alumni Club of the Peninsula, and Kristi Yamaguchi's Always Dream. Jeffrey enjoys spending time with his wife and two sons, playing tennis, skiing, and attending Cal football games.

Shu Wei Ouyang is a financial advisor with Cetera in San Mateo, CA, holding a Series 66 designation and 17 years of industry experience. Prior to joining Cetera, Shu Wei worked at Merrill, Bank of America, and Charles Schwab. Outside of advising, Shu Wei owns multiple rental properties. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers.

Paula Bai is a financial advisor with UBS Financial Services in Los Angeles, holding a Series 66 designation and nine years of industry experience. Her prior roles include positions at Morgan Stanley, RBC Capital Markets, and Wells Fargo. Outside of her advisory work, she owns a rental property in Florida. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory services, utilizing proprietary research and model-based asset allocations to tailor investment plans. The firm combines institutional trading capabilities with wealth management services and offers a range of financial planning and capital markets solutions.

Anna Levaggi is a Series 63-licensed financial advisor with 30 years of industry experience. She has been with Merrill since 2013, working in their San Mateo, CA office. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jason Ting is a Senior Financial Advisor at Merrill Lynch Wealth Management. He began his career in financial services in 2002, joining his family members at Merrill Lynch. Jason focuses on listening to and understanding each client to help craft wealth management strategies that address both short-term needs and long-term goals, with particular attention to philanthropic giving strategies. He has also served as an approved financial advisor spokesman for Merrill in national and local media. Jason has earned several professional designations, including Certified Investment Management Analyst (CIMA), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He holds a bachelor's degree in Communications with a minor in Video Production/Public Relations from the University of California, San Diego. Community involvement is important to Jason; he has served on the boards of organizations such as the Samaritan House and the Mills–Peninsula Hospital Foundation, and is part of the Leadership Council of San Mateo County. He resides in San Mateo, California, with his wife and daughter, and his personal interests include tennis, theater, and cars.

Paul Luciano is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he has worked since 1993. He serves a client base consisting mainly of entrepreneurs and venture capitalists, focusing on comprehensive financial planning and portfolio management. Paul emphasizes liability management, tax minimization, estate planning, and the inclusion of non-correlated assets such as private and public equity and alternative investments in portfolios to help clients achieve their long-term financial goals with reduced risk. Paul holds a Bachelor's degree in Finance from California State University, Long Beach, and also studied at Northeastern University in Boston. He is a CERTIFIED FINANCIAL PLANNER™ certificant and holds the Chartered Retirement Planning Counselor™ designation. In his role, he manages portfolios on a discretionary basis, using a variety of investment strategies including individual securities, model portfolios, and third-party strategies. Originally from New York, Paul has lived in the Bay Area for over 30 years. He and his wife, Leslie, have three children and share interests in fitness and outdoor activities such as skiing and golf. Paul is also involved in community service, having served on several non-profit boards.

Araceli Castaneda Ramirez is a financial advisor at Morgan Stanley with a Series 66 designation and nine years of industry experience. Prior to joining Morgan Stanley, she worked at H&R Block and American Girl, and also spent time at San Francisco State University. Outside of her advisory role, she operates online retail stores on platforms including Etsy and Facebook Marketplace and has worked as an extra and model. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning solutions while managing approximately $2.74 trillion in client assets.