Michael Shapiro is a financial advisor with Mass Mutual Investors Services in Mill Valley, CA, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. He has been with MassMutual and its affiliated entities since 2015. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning and offers asset management, wrap and money-manager programs, and educational seminars.

Kylie Lindquist is a financial advisor at Morgan Stanley in Oakland, CA, holding a Series 66 credential with three years of industry experience. Before joining Morgan Stanley, she worked in various roles across food service, wellness, and customer service sectors. Outside of her advisory work, Lindquist is involved in pet sitting and dog walking as a contractor. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutions, providing tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers services that include planning without individual security recommendations as part of standalone programs.

Kerry Farley is a financial advisor at RBC Capital Markets with 12 years of industry experience. He holds a Series 66 designation and has previously worked at City National Bank, Bank of America, and Merrill Lynch. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers various wrap fee advisory programs with discretionary and non-discretionary portfolio management, financial planning, and brokerage services, implementing tailored strategies through a combination of in-house and third-party investment managers.

Lewis Phillips is a financial advisor at Merrill with 30 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Bank of America, Merrill, Citigroup Global Markets, and Citicorp Investment Services since 2003. He is based in Oakland, CA. 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 strategies developed by internal and third-party managers for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jill Williams Gilmore is a financial advisor with Ameriprise, holding a Series 63 designation and 41 years of industry experience. She has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Outside of her advisory role, she has commercial real estate ownership interests in the San Francisco Bay Area. Ameriprise provides retirement-income planning services targeting individuals with significant investable assets, combining research, modeling, and tax-efficient strategies to develop personalized, non-discretionary recommendations delivered through a centralized consulting team.

Carl Ilg is a financial advisor with RBC Capital Markets and holds the Series 66 designation. He has 24 years of industry experience, including roles at Merrill, Bank of America, and City National Bank. He is based in Greenbrae, CA. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers various advisory programs with tailored investment strategies and a mix of in-house and third-party managers, supported by RBC’s capital-markets capabilities.

Carter Lewis is a financial advisor at RBC Capital Markets with a Series 66 designation and less than one year of industry experience. His prior work includes roles in education at the University of San Francisco, Hamilton High School, and Santan Junior High School. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs with tailored investment strategies, combining in-house and third-party managers and providing discretionary and non-discretionary portfolio management and related financial services.

Steve Freedman is a financial advisor with Wells Fargo Advisors who holds Series 63 and Series 65 licenses and has 12 years of industry experience. His career includes roles at Scottrade and Wells Fargo Clearing Service, LLC, and he owns and manages a business involved in music and artwork sales. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutions, providing a broad range of investment and financial planning services supported by Wells Fargo research and tailored client recommendations.

Christopher John Free is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and bringing 21 years of industry experience. He has worked at JPMorgan Chase Bank, N.A. since 2018 and with JP Morgan Securities LLC since 2016. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process includes centralized due diligence with quantitative and qualitative research and may incorporate an ESG eligibility framework.

Emmet Yeazell is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and bringing 50 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and previously spent 11 years at A. G. Edwards & Sons, Inc. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, offering investment advisory services, financial planning, retirement plan consulting, and both brokerage and advisory solutions. The firm manages approximately $671 billion in assets and operates with more than 14,000 financial advisors.

Ryan Cassidy is a financial advisor with LPL Financial in San Rafael, CA, holding a Series 66 designation and 21 years of industry experience. He has worked at LPL Financial since 2011, with prior roles at Merrill, Banc of America Investment Services, and Morgan Stanley. Cassidy also operates a separate business under the name Moraes & Cassidy Group, LLC. 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 investment advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a broad network of advisors.

Ku Hei Mo is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds a Series 66 designation and has worked at firms including Citigroup and Charles Schwab. His current role began in 2024 at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities, both located in Oakland, CA. J.P. Morgan Securities provides institutional consulting services focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting for plan sponsors, corporations, and endowments. Their advisory process incorporates centralized due diligence and a combination of quantitative and qualitative research to build model asset allocations.

Hercules Rosario is a financial advisor at Morgan Stanley with 11 years of industry experience and holds a Series 66 designation. He previously worked at JP Morgan Securities LLC for six years and Merrill for one year before joining Morgan Stanley in 2022. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning and wealth management services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by advanced modeling tools.

Bei Lei Yu is a financial advisor at Merrill with eight years of industry experience. He holds the Series 66 designation and has been with Bank of America, N.A. and Merrill since 2012. 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 both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Joyce Wong is a financial advisor at Ameriprise with 17 years of industry experience. She holds the Series 66 designation and has been with Ameriprise and its affiliate since 2009. Outside of her advisory role, she has an interest in real estate ownership. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide personalized, non-discretionary recommendations delivered through a centralized consulting team.

Erik Kumas is a financial advisor at LPL Financial with 14 years of industry experience. He holds a Series 66 designation and has worked at several firms including Commonwealth Financial Network, Kingswood Capital Partners, and Blueprint Wealth Partners. His career has included multiple roles at LPL Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of investment adviser representatives. The firm serves individuals, retirement plan participants, banks, trust companies, and institutions, offering a range of financial planning and investment management solutions.

Michael Nelson is a financial advisor at J.P. Morgan Securities with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Citibank/Citigroup, Oppenheimer, and Susquehanna Financial Group. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research supported by centralized due diligence and includes broader derivatives and commodities capabilities.

Nicholas Gums is a financial advisor at LPL Financial with 17 years of industry experience. He holds a Series 66 designation and has previously worked at firms including TD Ameritrade, Charles Schwab, Bank of America, Merrill, and J.P. Morgan Securities. He also serves as a Wealth Management Private Banker at Fremont Bank. 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, model portfolios, third-party asset management, and institutional platforms.

Margarita Perry is a financial advisor with RBC Capital Markets in Greenbrae, CA, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. Her career includes roles at Merrill, Bank of America, N.A., and City National Bank. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients from individual investors to institutions, offering tailored investment strategies through various advisory programs and a combination of in-house and third-party managers.

Jason Dilena is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior roles include positions at Churchill Management Group and Sol Mexican Cocina. Merrill, in partnership with Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.