Scott Caldwell is a financial advisor with LPL Financial, holding Series 63 and Series 66 registrations and possessing 34 years of industry experience. He has been with LPL Financial (formerly LINSCO Private Ledger) since 2000. In addition to his advisory work, he co-manages Sweetwater Farm LP, a limited partnership established for tax purposes, alongside his brother. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a large network of investment adviser representatives. The firm offers various advisory programs, financial planning, and retirement consulting, providing both discretionary and non-discretionary management supported by in-house and third-party research.

Walton Edward "Buzz" Brown, Jr. is a Senior Financial Advisor at Merrill Lynch Wealth Management in Oakland, California. He has been managing investments and providing financial guidance to both individual and institutional clients since 1998. In his role, Buzz focuses on creating personalized wealth management strategies tailored to clients’ unique financial situations and goals. He works closely with clients navigating significant life changes such as sudden wealth, approaching retirement, and those in need of stock option, tax minimization, and estate planning strategies. Additionally, he has particular expertise supporting women who are newly divorced or widowed. Buzz holds a Bachelor of Science degree in Business Management from Pepperdine University and carries the Personal Investment Advisor (PIA) designation. A third-generation Californian, he has deep roots in both Northern and Southern California and resides in the Lincoln Highlands District of Oakland. Beyond his professional commitments, Buzz participates actively in community service through volunteering, reflecting the Merrill tradition of community involvement. His personal interests include adventure sports such as rock climbing, skydiving, and bungee jumping, as well as biking, cooking, gardening, hiking, traveling, and spending time with his family.

Emily Chan is a financial advisor with Ameriprise in San Anselmo, CA, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. She previously worked at UBS Financial Services Inc. for 10 years before joining Ameriprise in 2020. Outside of her advisory work, Chan provides pro bono financial advice and planning to low-income immigrants through the nonprofit Serving Others Worldwide (S.O.W.). Ameriprise offers retirement-income planning services primarily for clients approaching or in retirement who meet specific asset criteria, combining research-driven modeling and tax-efficiency analysis to generate tailored recommendations. The firm serves a broad client base with advisory, brokerage, and insurance solutions typical of a large institutional provider.

Ricardo Martell Jr. is a financial advisor at Morgan Stanley with 14 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley since 2019, following roles at Wells Fargo Clearing and Wells Fargo Advisors. 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 and financial planning services supported by structured tools and the Global Investment Committee’s resources, managing approximately $2.74 trillion in client assets.

Donna Mccusker is a financial advisor with Morgan Stanley in San Rafael, CA, holding a Series 63 designation and 42 years of industry experience. She has worked with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Outside of her advisory role, she serves on the San Rafael Fire Commission, attending monthly meetings to discuss fire department activities and community service improvements. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and engages in diverse investment activities, including relationships with investment companies and private funds.

Meghan Miller is a financial advisor with Morgan Stanley in Oakland, CA, holding a Series 66 designation and 20 years of industry experience. She has worked at Morgan Stanley since 2016 and at Morgan Stanley Private Bank, National Association since 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients. The firm offers tailored financial planning through its Financial Advisors and Estate Planning Strategies Group and manages approximately $2.74 trillion in client assets.

Tony Yee is a financial advisor at Merrill with Series 63 and Series 66 licenses and three years of industry experience. He previously worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A., where he spent 24 years. Outside of his advisory role, he is a co-owner of a rental property in Daly City, California. 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 supported by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, retirement plans, corporations, and charitable organizations.

Martha Madrid is a Senior Financial Advisor at Merrill Lynch Wealth Management, where she has been serving clients since 1979. With over 40 years in the financial industry, she focuses on providing a comprehensive approach to wealth management that begins with understanding each client's unique financial situation and personal priorities. Martha helps clients develop customized and flexible strategies that can adapt to changing market conditions, leveraging the investment insights of Merrill and the banking services of Bank of America. Her areas of expertise include college education planning, personal retirement planning, and addressing the financial needs of women and wealth. Martha holds the Personal Investment Advisor (PIA) designation and completed her high school education through the State of New Jersey Department of Education. She lives in the Bay Area and balances her professional responsibilities with personal interests such as traveling, cooking, tennis, dancing, sewing, and watching movies. Martha is also committed to community involvement, volunteering with local organizations in line with Merrill's tradition of service.

David Williams is a financial advisor with Morgan Stanley in Oakland, CA, holding a Series 66 designation and eight years of industry experience. He has worked at Morgan Stanley and its Private Bank division since 2018 and has prior work experience with Target and Sonoma State University. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individual and institutional clients, including customized financial planning supported by firm-approved tools and modeling techniques.

Justin Allen is a financial advisor with Charles Schwab in Oakland, CA, holding a Series 66 designation and four years of industry experience. He has worked at Charles Schwab & Co., Inc. and Charles Schwab Bank, SSB since 2022. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary investment management and financial planning services. The firm is notable for its scale and integrated structure, combining brokerage, custody, and advisory services with access to alternative investments and multi-asset model portfolios.

Stuart Reilly is a financial advisor with RBC Capital Markets, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. His prior roles include positions at City National Bank, Bank of America, and Merrill Lynch. He serves as Vice Commodore and is a board member of the San Francisco Yacht Club, a sailing club nonprofit. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm provides various advisory programs with customizable portfolio management, financial planning, and brokerage services, leveraging both in-house and third-party investment resources.

Michael Mohaghegh is a financial advisor with Wells Fargo Clearing in San Francisco, holding Series 63 and Series 65 designations and bringing 33 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2011 to 2016. Outside of his advisory role, he volunteers with the Foundation for Financial Planning, assisting individuals in financial hardship by explaining financial aid and unemployment benefits. 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 a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

James Lippitt is a financial advisor at Morgan Stanley with 21 years of industry experience. He has held roles at Morgan Stanley since 2009 and at Morgan Stanley Private Bank, National Association since 2015. He holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving individuals and institutional clients. The firm provides a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques, managing approximately $2.74 trillion in client assets.

Rachel Klase is a Planning Consultant at the Larkspur Investor Center, where she collaborates with Financial Consultants to assist clients in progressing toward their financial goals and utilizing Fidelity's platform effectively. She focuses on creating tailored experiences by thoroughly understanding each client's financial situation through detailed data gathering and personalized discussions. Rachel has been with Fidelity Investments since 2017, starting as a Relationship Manager before transitioning to her current role in 2020. She holds a California Insurance License, supporting her work in financial planning and client service.

James Babson is a CFA® charterholder with 28 years of industry experience. He is currently with Charles Schwab, where he has worked since 2021. Prior to Schwab, he was employed at Aberdeen Asset Management Inc. and Aberdeen Fund Distributors, LLC from 2016 to 2020. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory models with access to affiliated discretionary separately managed accounts and offers a range of integrated brokerage, custody, and cash-sweep services.

David Traverso is a financial advisor with Morgan Stanley in Oakland, CA, holding a Series 63 designation and bringing 58 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and the Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

William Caddick Jr. is a financial advisor at Ameriprise with 20 years of industry experience. He holds a Series 66 designation and has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he has an investment-related interest in single-family real estate ownership. Ameriprise offers a retirement-income planning service tailored for individuals approaching or in retirement who meet specific asset criteria, providing detailed Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis, with a centralized consulting team supporting advisors in delivering customized, algorithm-assisted retirement income recommendations.

Keith Bernardy is a financial advisor at LPL Financial with 43 years of industry experience. He holds the Series 63 designation and previously worked at Securities America Advisors, Inc. and KMS Financial Services, Inc. Bernardy also operates Bernardy Financial Group as a DBA related to his LPL business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory services, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Matthew Sattler is a CFP® professional with nine years of industry experience, currently affiliated with Charles Schwab in Corte Madera, CA. His prior experience includes roles at Edward Jones and IntegenX Inc. Outside of his advisory work, he rents out a room in his primary residence. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and managed-account services, delivering investment guidance via a combination of non-discretionary advice and discretionary separately managed accounts.

Coleman Clemons is a financial advisor at Equitable Advisors based in San Francisco, CA. He holds the Series 66 designation and has one year of industry experience. Prior to joining Equitable Advisors, his work history includes positions in automotive sales and retail. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset management programs through a network of Investment Adviser Representatives, utilizing both third-party and proprietary solutions.