Jeffrey Schottenstein is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His prior roles include positions at Merrill, Bank of America, and First Republic Investment Management. Outside of his advisory work, he serves as president of the Sara Schottenstein Foundation, which supports the development of new cancer treatments, and is a board member of the Gastric Cancer Foundation. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research supported by a manager solutions team, with an emphasis on eligible strategies and an ESG eligibility framework.

David Whalen is a financial advisor with Morgan Stanley in Oakland, CA, holding Series 63 and Series 65 credentials and having 33 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009 and previously at Citigroup Global Markets from 1993 to 2009. Morgan Stanley Wealth Management serves individuals and institutional clients with advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets and offering services directly and through corporate agreements.

Angela Herico is a financial advisor with Wells Fargo Clearing in Corte Madera, CA. She holds the Series 66 designation and has 10 years of industry experience, all with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages roughly $671 billion in assets with over 14,000 financial advisors and offers a range of brokerage and advisory solutions.

Geoffrey Aden is a financial advisor at OSAIC with 35 years of industry experience. His prior roles include positions at Woodbury Financial Services, Cetera Advisors, and LPL Financial. He operates a sole proprietorship providing insurance case design and serves as a trustee managing family investment activities. OSAIC Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm’s investment process focuses on model-based asset allocation and portfolio optimization, supported by various advanced tools and strategies.

Christian Frederiksen is a financial advisor with Cetera who holds a Series 66 designation and has 28 years of industry experience. He has worked at Cetera and its affiliated entities since 2025, with prior experience at Avantax Investment Services and 1 St Global Capital Corp. Frederiksen is also a shareholder and officer of Frederiksen-Crawford CPAs Inc., a tax and consulting firm, and serves as vice president of Cyber 631 Inc., a company involved in cybersecurity software sales. 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 diverse portfolio management and financial planning services through a large network of independent advisors, employing a multi-manager platform with a range of program structures and custodial relationships.

Erik Pulley is a financial advisor with Morgan Stanley in Oakland, CA, holding Series 63 and Series 65 designations and having 28 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs to individuals and institutional clients, including customized financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates proprietary tools and market modeling methods.

Samuel Oliver is a CFP® professional affiliated with LPL Financial, bringing 21 years of industry experience. He previously worked at Avantax Insurance Services and Avantax Investment Services and has operated Oliver Financial, Inc., a tax and investment-related business, since 1986. In addition to his advisory work, he owns a CPA business specializing in tax preparation and accounting. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm supports a wide range of investment strategies and platforms, combining advisory services with various financial activities and oversight of substantial discretionary assets.

Sarah Pieri is a financial advisor at Wells Fargo Clearing with a Series 66 designation and two years of industry experience. She has held various roles including positions at RMI Mechanical Contractors and Sonoma State University. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Peter Salcuni is a financial advisor at Fidelity with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Caldwell Sutter Capital and Computershare NA. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios built from mutual funds, ETFs, and ETPs.

Loren Kertz is a financial advisor with Charles Schwab, holding a Series 63 designation and 32 years of industry experience. He has been with Charles Schwab since 1996 and associated with Charles Schwab Bank, SSB since 2005. Charles Schwab & Co., Inc. serves primarily 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 operates as both a broker-dealer and investment adviser, offering bundled advisory, brokerage, custody, and cash-sweep services with a combination of non-discretionary and discretionary investment management options.

Michael Peri is a financial advisor at Morgan Stanley with 42 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets from 1993 to 2009. Morgan Stanley Wealth Management serves both individual and institutional clients by providing 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 that incorporates tools like the Global Investment Committee’s Secular Return Estimates and Monte Carlo simulations.

Vanessa Jilot is a CFP®-designated financial advisor with 17 years of industry experience, currently affiliated with LPL Financial. Her prior roles include positions at Terra Blue Wealth Management, Commonwealth Financial Network, Ameriprise Financial Services, Inc., and Intl Advisory Consultants Inc. Outside of her advisory work, she is a co-owner of Lagunitas General Store, LLC, a retail business in Lagunitas, California. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a wide range of advisory and brokerage services, including financial planning and model portfolio programs, supported by extensive technology and a large network of over 22,000 advisors.

Philip Camicia is a financial advisor with Morgan Stanley in Oakland, CA, holding a Series 63 designation and 43 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, following a 16-year tenure at Citigroup Global Markets. Aside from his advisory role, he is a partner in an investment-related rental property business. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by structured discovery and advanced planning tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-based financial planning services.

Fatima Romo is a financial advisor with Wells Fargo Clearing in Corte Madera, CA, holding a Series 63 designation and nine years of industry experience. She has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors serves individual, corporate, and institutional clients with a range of investment advisory services, financial planning, and retirement plan consulting, managing approximately $671 billion in assets across more than 14,000 financial advisors. The firm combines brokerage and advisory solutions and employs research and analytics grounded in diversification principles and modern portfolio theory.

Richard Roman is a financial advisor with Mass Mutual Investors Services in Novato, CA, holding the CFP® designation and Series 63 and 65 licenses. He has 25 years of industry experience and has been with MML Investor Services since 2001. Outside of his advisory role, he is also an insurance agent. MML Investor Services, LLC is 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 offers a range of programs including wrap and money-manager options, alongside educational seminars.

Michael Gorton is a financial advisor at Wells Fargo Clearing with 44 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Wells Fargo Clearing since 2016. Prior to that, he spent nine years with A. G. Edwards & Sons, Inc. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages roughly $671 billion in assets and offers both brokerage and advisory solutions.

Miranda Chang is a financial advisor at Cetera with 23 years of industry experience and holds a Series 66 designation. She previously worked at Avantax Investment Services and LPL Financial. Outside of advisory work, she is president of Chang & Associates Tax and Financial Professionals, providing tax preparation and small business accounting services. Cetera Investment Advisers LLC serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting services through a multi-manager platform with access to both affiliated and third-party managers.

Maria Del Rio is a financial advisor at Morgan Stanley with 8 years of experience, holding a Series 66 designation. She previously worked at Wells Fargo Bank for 6 years before joining Morgan Stanley Smith Barney LLC in 2018. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a 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 proprietary tools and models.

Percy Mc Gee Jr. is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in providing comprehensive wealth management strategies to a diverse client base, including athletes, doctors, entrepreneurs, and families at various stages of life. Percy works with a sense of purpose to assist clients in defining their financial goals, establishing priorities, and adjusting strategies to accommodate changing life circumstances. He serves as a Portfolio Manager within Merrill's Investment Advisory Program, managing personalized and defined investment strategies that may incorporate stocks, bonds, and other models. Percy began his career in accounting before joining Merrill Lynch in 2000, initially assisting law enforcement officers with legacy and retirement planning. His expertise areas include college education planning, executive and equity compensation, international wealth management, socially responsible investing, and services for endowments and non-profits. He holds a Bachelor of Science degree in business administration and finance from Humboldt State University and is a Personal Investment Advisor (PIA). Percy is a member of the Black Professional Group. Outside of his professional role, Percy engages in outdoor activities such as fishing, hiking, snowboarding, and competitive meat smoking. He enjoys adventure sports, boating, camping, cooking, gardening, golfing, skiing, reading, and spending time with his family. Percy is active in his community, volunteering and raising funds for organizations such as Strive Through Self Academy and participating in mentoring through the Big Brother Mentoring program and at Merrill for young financial advisors.

Mila Coffey is a CFP® and PFS™ with 29 years of experience in financial advisory and tax services. She is currently with Cetera and has held roles at multiple related firms since 1997, including Avantax and PH Tax & Wealth Solutions, CPAs, Inc. Outside of her advisory work, she serves on the board of the Contra Costa College Foundation and volunteers as an ambassador for the East Bay Regional Park District. Cetera Investment Advisers LLC is a large SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform that allows advisors to implement a range of portfolio strategies across discretionary and non-discretionary program structures.