Kathryn Holland is a CFP® with nine years of experience in the financial services industry. She has worked at LPL Financial since 2023 and previously held roles at Fremont Bank, Edward Jones, International Research Securities, Inc., and APEX Movement. Outside of her advisory work, she is involved in youth hockey through scorekeeping and coaching and operates an Etsy store as a designer and creator. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of investment solutions, including model portfolios, third-party asset management, and institutional platforms, supported by technology tools and a broad network of advisors.

Robert Wheeler is a financial advisor at Charles Schwab with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Wells Fargo Clearing and Charles Schwab. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 offers a combination of non-discretionary and discretionary investment guidance, leveraging multi-asset model portfolios and due diligence on alternative investments, supported by a centralized operational structure.

Wendell Graham is a Series 66-registered financial advisor with five years of industry experience, currently affiliated with J.P. Morgan Securities in San Carlos, CA. His prior experience includes roles at Morgan Stanley and Morgan Stanley Private Bank. 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 through its Institutional Consulting Services program.

Kov Tallam is an Investment Consultant at Fidelity Investments, a role he has held since 2026. He previously served in various positions at Fidelity Investments, including Planning Consultant from 2025 to 2026, Relationship Manager from 2024 to 2025, and Financial Representative from 2023 to 2024. In his professional work, Kov focuses on co-creating financial plans tailored to his clients' individual goals and circumstances. He employs a dynamic and precise approach to financial planning, aiming to provide objective and pragmatic guidance. Kov holds a California Insurance License. Outside of his professional life, Kov has interests in art, the beach, board games, cooking and baking, fitness, and soccer.

Lin Qian Shao is a financial advisor at UBS Financial Services with a Series 66 designation and five years of industry experience. Prior to joining UBS in 2021, Shao worked at TD Ameritrade and has a background that includes roles in retail and nonprofit sectors. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining proprietary capital market research with model-based asset allocations to tailor financial plans. The firm operates with a broad range of capabilities, including fiduciary fee-based financial planning, discretionary portfolio management, and institutional trading activities.

Lauren Sagan is a financial advisor with LPL Financial, holding a Series 66 designation and 12 years of industry experience. She has worked at LPL Financial since 2019 and has prior experience at First Allied Advisory Services and McKinley Financial Group. In addition to her advisory role, she conducts retirement seminars focused on client education. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment solutions, utilizing both proprietary research and third-party strategies across discretionary and non-discretionary accounts.

Tod Spring is a financial advisor at Spring Capital Management in San Mateo, CA, holding a Series 65 designation with 8 years of industry experience. He has been with Spring Capital Management since 2008, overseeing the firm's advisory services. Spring Capital Management provides discretionary portfolio management to individual clients, managing approximately $17.4 million in assets across 38 client relationships. The firm emphasizes ongoing portfolio management and compliance, with detailed disclosures on investment strategies, performance-based fees, and regulatory requirements uncommon for firms of its size.

Darrell Young is a CFP® professional with 22 years of industry experience, currently serving as the sole advisor at Poplar Global Wealth Management LLC. He has held roles at Karmeq LLC and Mutual Securities, Inc., and owns Poplar CPA and PGWM Multi-Family Office Services, both providing CPA and investment-related services. Poplar Global Wealth Management LLC advises individuals, pension and profit-sharing plans, and business entities through wrap-fee portfolio management and pension consulting. The firm combines fundamental and technical analysis with a range of investment strategies and integrates accounting credentials and broker-dealer affiliations to offer a distinctive service model.

Robert Balopole is a CFA® charterholder and the principal of Balopole Investment Management Corporation in San Mateo, CA, with 26 years of industry experience. He has led his independent firm since 2000. Balopole Investment Management Corporation provides investment advisory and portfolio management services primarily to individual clients, managing approximately $31.8 million across 34 accounts. The firm emphasizes fundamental analysis and longer-term purchase strategies and offers ongoing investment supervision and regular account oversight. Additionally, the firm publishes a subscription-based periodical, which is uncommon among independent solo advisers.