James Schofield is a financial advisor with Osaic Wealth in San Francisco, holding a Series 63 designation and over 40 years of industry experience. He has been with Osaic since 1989. Outside of his advisory role, he operates a sole proprietorship providing review and recommendations for individual life insurance coverage. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporations. The firm offers brokerage and advisory services through a multi-advisor platform, emphasizing model-based asset allocation and portfolio optimization supported by various tools and proprietary investment strategies.

Jerry Tzu Hsuan Chen is a financial advisor with Merrill in San Mateo, CA, holding a Series 66 designation and eight years of industry experience. He has been with Merrill and its affiliate Bank of America, N.A. since 2014. 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 and profit-sharing plans, corporations, and charitable organizations.

Susan Brauner is a financial advisor at OSAIC with 44 years of industry experience. She holds a Series 63 designation and has worked previously at Securities America Advisors Inc and Securities America Inc, as well as operating The Brauner Company. Brauner is also involved as a co-trustee of The Brauner Company Profit Sharing Plan. OSAIC Wealth serves a diverse range of clients including individual investors, retirement plans, charities, and corporations through a multi-advisor platform offering brokerage and advisory services. The firm utilizes model-based asset allocation and portfolio optimization tools, supporting various investment programs delivered via affiliated broker-dealer and RIA relationships.

Shiting Yu is a CFP® designated financial advisor with three years of industry experience currently working at Ameriprise in San Mateo, CA. Prior to joining Ameriprise in 2026, Yu spent three years at RBC Capital Markets, LLC. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and annual retirement income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Chaz Lechner is a Planning Consultant at Fidelity Investments, where he collaborates with clients to develop and implement financial plans tailored to their unique personal and financial profiles. Since joining Fidelity in 2021, Chaz has progressed through roles as a Financial Representative and Relationship Manager before his current position. Chaz holds a California Insurance License as part of his professional credentials. Outside of his professional responsibilities, he engages in hiking, reading, and skiing.

Gary Cummings is a financial advisor with Wells Fargo Clearing in San Francisco, CA, holding the CFP® designation along with Series 63 and Series 65 licenses. He has 28 years of industry experience, including prior roles at UBS Financial Services and Citigroup Global Markets. He has been 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 approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by Wells Fargo Investment Institute research and third-party analytics.

Elisabeth Dellinger is a Series 65-licensed financial advisor at Fisher Investments with 13 years of industry experience. She has been with Fisher Investments since 2004. Fisher Investments serves a global mix of institutional and private clients, including pension and profit-sharing plans, foundations, investment companies, and high-net-worth individuals. The firm provides discretionary portfolio management using a centralized investment policy committee and employs tax-aware processes and defensive tactics to manage risk across diversified portfolios.

Hadley Weinberg is a financial advisor with Osaic Wealth, holding CFP® and Series 63 designations and bringing 44 years of industry experience. Prior to joining Osaic in 2024, he worked at Securities America Advisors, Inc. and Investacorp, Inc. outside of routine financial advising, Weinberg transacts life, long-term care fixed annuities, and disability insurance through his own firm and serves as a board member and treasurer of the Rotary Club of Brookline, MA, as well as a board member of the Jamestown Community College Foundation. Osaic Wealth serves a broad client base including individual investors, retirement plans, charities, and corporate clients, offering brokerage and advisory services with a focus on model-based asset allocation and portfolio optimization. The firm supports various investment programs through a multi-advisor platform and complex affiliate network.

Jeffrey Better is a financial advisor with OSAIC based in San Mateo, CA. He holds a Series 63 designation and has 42 years of industry experience, including 41 years with Lincoln Financial Advisors Corporation prior to joining OSAIC in 2025. Outside of his advisory role, he serves as a board member for the Omega Foundation, a charitable organization focused on fundraising. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services. The firm emphasizes model-based asset allocation and portfolio optimization, supporting a variety of investment strategies and client types across its complex affiliate network.

Annie Ha is a financial advisor at J.P. Morgan Securities with 21 years of industry experience. She holds the Series 63 and Series 65 designations and has worked at J.P. Morgan Securities and Citigroup. Her current tenure at J.P. Morgan Securities spans from 2012 to the present, including service within JP Morgan Chase bank. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s process is supported by centralized due diligence combining quantitative and qualitative research, with recommendations incorporating ESG eligibility frameworks and execution handled by affiliated entities.

Christopher Breault is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and bringing 26 years of industry experience. His career includes roles at Cuna Mutual Group, CUNA Brokerage Services, Bancwest Investment Services, and U.S. Bancorp Investments. He is associated with The Police Wealth Management Services, an investment-related business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and model portfolio programs, supported by a large network of investment adviser representatives.

Michael Kimsey is a CFP® and ChFC® with 47 years of experience in the financial industry. He has worked at OSAIC since 2025 and previously spent 27 years at Lincoln Financial Advisors Corporation. Kimsey serves as a co-trustee for a family member's revocable trust. OSAIC Wealth serves a diverse client base including retail and institutional investors, retirement plan sponsors, charities, and corporate clients. The firm offers a multi-advisor platform with brokerage and advisory services, emphasizing model-based asset allocation, portfolio optimization, and access to third-party money managers.

Mark Hegland is a Chartered Financial Consultant (ChFC®) with 26 years of experience at Edward Jones, where he has worked since 2000. Based in San Francisco, CA, he holds Series 63 and Series 66 licenses. Outside of his advisory role, Hegland serves as Vice President of the Ace Chapter of BNI, where he is responsible for tracking referral activity and supporting the chapter president. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm provides a range of advisory programs and investment strategies supported by a large nationwide network of advisors and branch offices.

John Ogilvie is a Planning Consultant at Fidelity Investments. In his current role, he partners with clients and their Financial Consultants to support retirement planning through holistic guidance. He has experience in financial services, having held positions as a Relationship Manager and Financial Representative at Fidelity Investments, as well as internship roles in investment banking at Canaccord Genuity and private wealth management at CIBC. John holds a California Insurance License. Outside of his professional work, he enjoys attending concerts, football, music, outdoor adventures, skiing, and surfing.

Daniel Jew is a CFP® professional with 17 years of experience in financial advising. He has worked at Edward Jones since 2008. Jew holds Series 63 and Series 66 registrations. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies, including separately managed accounts and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of financial advisors and branch offices.

Rhyan Politano is a financial advisor with Charles Schwab, holding Series 63 and Series 65 credentials and 20 years of industry experience. He has been with Charles Schwab Bank and Charles Schwab & Co., Inc. since 2018, following two years at Wells Fargo Clearing. Based in San Francisco, CA, Politano’s career includes a focus on wealth advisory services within large financial institutions. Charles Schwab & Co., Inc. serves a broad 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 offers a combination of non-discretionary and discretionary investment solutions, utilizing multi-asset model portfolios and centralized operations that support a high client coverage ratio per advisor.

Lucille Denos is a financial advisor with UBS Financial Services in San Mateo, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. Her career includes tenure at Morgan Stanley and Citigroup Global Markets prior to joining UBS in 2010. Outside of her advisory work, she has experience working as a backup cashier at Costco. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, integrating proprietary research and model-based asset allocation to tailor plans to client goals. The firm combines institutional trading capabilities with wealth management services, offering fiduciary financial planning alongside capital markets and proprietary research.

Matthew Murrer is a Senior Financial Advisor at Merrill Lynch Wealth Management, operating as part of Luciano & Associates, a team focused on serving a select group of ultra-high-net-worth clients primarily in Silicon Valley. Working alongside Managing Director Paul Luciano, Matthew provides personalized wealth management services that address complex financial situations for entrepreneurs and families. His role encompasses client meetings, financial proposal development, and delivering strategic advice tailored to individual client priorities. Matthew specializes in areas including education planning, executive and equity compensation, family and international wealth management, liquidity and portfolio management, tax minimization, philanthropic planning, and retirement planning. Drawing on his early financial education and prior experience as a Financial Analyst at Applied Materials, he emphasizes helping clients make informed, thoughtful financial decisions free from emotional bias. He holds a Personal Investment Advisor (PIA) designation and earned a bachelor’s degree from the College of the Holy Cross. Fluent in English and Spanish, Matthew integrates his analytical skills and market knowledge to support his clients’ long-term financial goals. Beyond his professional duties, Matthew is actively involved in community and philanthropic efforts. He participates in fundraising for the Juvenile Diabetes Research Foundation (JDRF), an organization aligned with his personal experience living with Type 1 Diabetes. He also contributes time to Loaves & Fishes and engages in local holiday outreach activities. In his personal time, Matthew enjoys adventure and fitness activities such as snowboarding, surfing, Brazilian Jiu Jitsu, meditation, traveling, and cooking.

Justin Skelton is a Series 66-licensed financial advisor with 15 years of industry experience. He is currently affiliated with LPL Financial and has previously worked with Minnesota Life Insurance Co. and Securian Financial Services. Outside of his advisory role, he is involved as an insurance agent and holds employment unrelated to investment services. 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 range of financial planning and investment management services supported by a large network of advisors and a variety of advisory platforms.

Michael McGibben is a financial advisor at Morgan Stanley with nine years of industry experience. He holds a Series 66 designation and has worked at Stifel, Nicolaus & Company prior to joining Morgan Stanley in 2024. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by firm-approved tools and modeling techniques.