Annie Reese is a CFP® with four years of industry experience, currently serving at Charles Schwab in Oakland, CA. Her prior work includes roles at TD Ameritrade and Charles Schwab Bank. Outside of finance, she has experience with Mercy Ships International and student activities at Texas A&M University. 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 affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and provides integrated brokerage, custody, and cash-sweep services.

William Lukach is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and having 37 years of industry experience. His prior experience includes roles at Merrill and Bank of America, where he worked for nearly a decade each. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management alongside model portfolios and research from multiple sources.

Kristopher Ho is a financial advisor with Equitable Advisors in San Francisco, holding Series 63 and Series 66 licenses and nine years of industry experience. He has worked at Equitable Advisors since 2017 and was previously with AXA-Advisors, LLC. Ho serves as a volunteer board member for Wah Mei School in San Francisco. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm offers both proprietary and third-party advisory programs, focusing on aligning client risk tolerance with suitable investment models and discretionary managers.

Charles Terrazas is a Senior Financial Advisor at Merrill Lynch Wealth Management and a senior member of the team Reilly, Terrazas, Krone and Associates. He has been with Bank of America since 1981, beginning his career as an Institutional Fixed Income Sales Representative and later joining the Ultra High Net Worth Sales Group in 2005. In his current role, he manages and advises key individual accounts and develops proprietary portfolio strategies for a diverse group of clients including Silicon Valley entrepreneurs, physicians, attorneys, entertainment and sports personalities, and multiple generations of successful families. Mr. Terrazas's expertise includes fixed income portfolio construction and management, institutional sales, and developing investment strategies in multi-currency fixed income markets. He started his career providing guidance to Foreign Central Banks and later worked in London with Credit Suisse First Boston. His experience also includes roles in institutional fixed income trading. He holds the Personal Investment Advisor designation and earned a Juris Doctor degree from Golden Gate University School of Law. He lives in Mill Valley with his wife, Camille, and has interests in baseball, golf, tennis, and spending time with his family.

Race Stowell serves as a Wealth Management Advisor and Senior Vice President with Merrill Lynch Wealth Management, specializing as a Retirement Benefits Consultant. He focuses on assisting plan sponsors in developing effective retirement plan strategies to meet participant retirement objectives. His client expertise includes divorce transition planning, institutional and corporate benefit services, and investment consulting for defined contribution plans. With over 30 years of experience in retirement plan advisory for corporations, Race holds multiple professional designations, including Certified Investment Management Analyst (CIMA), Certified 401(k) Professional (C(k)P®), Certified Plan Fiduciary Advisor (CPFA®), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He is a graduate of the University of California system. Race’s approach emphasizes aligning wealth planning with clients’ personal priorities and goals, aiming to simplify the complexities of investing and provide transparent, customized plans. Outside of his professional work, his personal interests include dancing, hiking, music, reading, running, spending time with family, surfing, traveling, and writing.

Mike Worthington is a CFP® professional with 14 years of industry experience, currently serving as an advisor at J.P. Morgan Securities. He has been with the J.P. Morgan organization since 2014, holding positions at both J.P. Morgan Securities and JPMorgan Chase Bank. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm’s approach combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework when recommending strategies.

Christina York is a financial advisor at Charles Schwab with 15 years of industry experience. She holds the CFP®, ChFC®, and Series 66 designations. Prior to joining Charles Schwab and Charles Schwab Bank in 2018, she worked at Neuberger Berman LLC for five years. She currently serves on the homeowners association board for her condominium building. Charles Schwab 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a wide range of investment guidance supported by centralized operational and custody infrastructure.

Peter Goudy is a financial advisor at Stifel with five years of industry experience. He holds the Series 63 and Series 66 designations and previously worked at Ameriprise Financial, Nationwide Financial, and Foresters Financial. Outside of his advisory role, he serves as a soccer referee for youth organizations in the San Francisco Bay Area. Stifel serves a broad range of clients, including individuals, institutions, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment approach relies on proprietary capital market assumptions and probabilistic modeling developed by its Investment Strategy Group to guide asset allocation and financial planning.

Tzetang Ting is a Series 66-licensed financial advisor with four years of industry experience, currently affiliated with Cetera in San Francisco, CA. His prior experience includes roles at East West Bank, Deloitte Taiwan, and self-employment, along with a position at UCSD. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, as well as institutional accounts. The firm offers a multi-manager platform with diverse portfolio management options and access to third-party money managers, managing over $256 billion in assets through a nationwide network of advisors.

Spencer Carroll is the Vice President and Branch Leader at Fidelity Investments, a position he has held since 2025. In this role, he leads, coaches, and inspires advisors to deliver planning experiences to Fidelity clients. Prior to this, he served as Vice President and Regional Planning Consultant from 2022 to 2025, Financial Consultant from 2018 to 2022, Investment Consultant from 2016 to 2018, and Financial Representative from 2015 to 2016, all within Fidelity Investments. Spencer holds a California Insurance License, supporting his work in financial advising and planning. His career at Fidelity Investments spans various roles, providing him with broad experience in financial consulting and investment services.

Zachary Klinke is a financial advisor at Charles Schwab in Oakland, CA, holding Series 63 and Series 65 licenses with one year of industry experience. His prior experience includes roles at The Vanguard Group and Charles Schwab Bank, along with academic positions at several universities. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related services, offering a mix of non-discretionary and discretionary investment options supported by integrated custody, brokerage, and advisory capabilities.

Alden Harmon is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. His prior work includes roles at The Esports Institute and positions in education and hospitality. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional investors, including discretionary portfolio management and fund advisory. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, and it serves multiple registered investment companies and intermediary platforms.

Tucker Barash is a financial advisor with Osaic Wealth, Inc. in San Rafael, CA, holding Series 63 and Series 65 licenses and with 19 years of industry experience. He previously worked for Woodbury Financial Services, Inc. for 14 years before joining Osaic in 2024. Barash also owns an insurance sales business. Osaic Wealth serves a diverse client base including retail and institutional investors, offering brokerage, advisory, financial planning, and retirement consulting services through a large network of affiliated advisors. The firm utilizes firm-provided asset allocation tools and third-party platforms to construct and manage diversified portfolios on both discretionary and non-discretionary bases.

Cicely Jones is a financial advisor at Equitable Advisors with 10 years of industry experience. She holds a Series 66 designation and previously worked at Axa-Advisors, LLC. Jones is also an author who self-publishes a book on financial planning for young couples and contributes articles on related topics to Forbes.com. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individual and institutional clients, using a range of firm-offered programs and third-party asset managers.

Patrick Oswald serves as a Senior Financial Advisor with Merrill Lynch Wealth Management. He brings over 30 years of experience in the financial markets, focusing on constructing dividend-paying stock and bond portfolios tailored for long-term results. His client focus includes corporate executive services, equity compensation, family wealth management strategies, and retirement income planning. Patrick holds a Bachelor of Arts in Agricultural Economics (1988) and a Master of Business Administration (1992), both from the University of California. He has earned the Personal Investment Advisor (PIA) designation. His earlier education includes attending De La Salle High School in Concord, CA, where he was named Athlete of the Year and inducted into the Athletic Hall of Fame. Committed to community engagement, Patrick volunteers with Catholic Charities and serves as a football coach for the San Ramon Valley T-Birds. Outside of his professional and community activities, he enjoys golf, fishing, snowboarding, baseball, cooking, gardening, hiking, softball, and football. He resides in Danville, CA, with his wife Elisa and their four sons.

Lena Trotter Beasley is a financial advisor at Raymond James & Associates with 22 years of industry experience. She holds a Series 66 designation and previously worked at Merrill from 2015 to 2017. Outside of her financial advisory role, she is involved with Smitty's Best BBQ. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, providing financial planning and non-discretionary investment consulting through various specialized programs and services.

Terrence Kotsatos is a CFP® and ChFC® with 28 years of industry experience. He has been with Edward Jones since 2010, based in Albany, CA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Shannon Bennett is a financial advisor with Raymond James & Associates in San Rafael, CA, holding a Series 66 credential and 23 years of industry experience. He has been with Raymond James & Associates since 2015. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individual, institutional, charitable, and municipal clients, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Tayo Ogundiya is Vice President and Executive Planning Consultant at Fidelity Investments, where he has been serving since 2020. In this role, he partners with clients to develop comprehensive long-term financial plans and detailed investment strategies that incorporate workplace benefits and equity compensation. He emphasizes establishing long-term relationships based on trust and reliability to help clients work toward their financial goals. Tayo has been with Fidelity Investments since 2010, holding various roles including Relationship Manager, Financial Consultant, Service and Trading Manager, and High Net Worth Supervisor. He holds a California Insurance License. Outside of his professional responsibilities, Tayo enjoys concerts, hiking, movies, music, and writing.

Sakiko Kono is a financial advisor with Ameriprise in Richmond, CA, holding a Series 63 designation and 32 years of industry experience. She has worked at Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Outside of her advisory role, she serves as president of the board of directors for Himawari-Kai and has participated in independent film acting and jazz singing as performing arts activities. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, combining research-driven strategies and tax-efficient withdrawal planning. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of its institutional category.