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 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Bank of America and Merrill since 2013. 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 strategies 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 holding a Series 66 designation and 23 years of industry experience. He has worked at City National Bank and Bank of America, as well as Merrill prior to his current roles. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, corporations, and charitable organizations with tailored portfolio management, financial planning, and brokerage services. The firm offers multiple advisory programs and integrates both in-house and third-party investment managers to implement client strategies.

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 at J.P. Morgan Securities with 21 years of industry experience. He holds Series 63 and Series 66 designations and has been with JPMorgan Chase Bank, N.A. since 2018 and JP Morgan Securities LLC since 2016. 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, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Emmet Yeazell is a financial advisor at Wells Fargo Clearing with 50 years of industry experience. He holds the Series 63 designation and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s advisory process is driven by investment policy statements and modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.

Ryan Cassidy is a financial advisor with LPL Financial in San Rafael, CA, holding a Series 66 designation and 20 years of industry experience. He has been with LPL Financial since 2011. Outside of his advisory role, he operates a DBA, Moraes & Cassidy Group, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by model portfolios and research.

Ku Hei Mo is a financial advisor at J.P. Morgan Securities with a Series 66 designation and four years of industry experience. Prior to joining J.P. Morgan, Mo held positions at Citigroup, Charles Schwab, and Wells Fargo. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary advisory model. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering a broad range of investment and brokerage services.

Hercules Rosario is a financial advisor with Morgan Stanley in Oakland, CA, holding a Series 66 designation and 11 years of industry experience. His prior roles include positions at JP Morgan Securities LLC, Bank of America, N.A., and Merrill. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs to individuals and institutions. The firm provides tailored financial planning services supported by structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

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.

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 firms including Citibank/Citigroup, Oppenheimer, and Susquehanna Financial Group. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering advisory services alongside brokerage, distribution, and investment management capabilities.

Nicholas Gums is a financial advisor with LPL Financial in Oakland, CA, holding a Series 66 designation and 17 years of industry experience. His prior roles include positions at TD Ameritrade, Charles Schwab, Merrill, and Bank of America. He also serves as a Wealth Management Private Banker at Fremont Bank. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a range of clients including individuals, retirement plans, banks, and charitable organizations through a broad national network. The firm offers comprehensive financial planning, advisory programs, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options.

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 has been in the industry since 2024. Prior to joining Merrill, he had roles at Churchill Management Group and several other organizations, including experience during his time at Loyola Marymount University. Merrill, along 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party teams.

Sebastian Heidgger Jr. is a financial advisor at Charles Schwab with seven years of industry experience. He holds the Series 66 designation and has worked at Charles Schwab and Charles Schwab Bank since 2018. His prior experience includes roles at Heidgger, Inc., IMC World Trade Corporation, and HTC Automotive, Inc. 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 offers a combination of non-discretionary advice and access to discretionary separately managed accounts, supported by a multi-asset investment approach and a centralized operational structure.

Philip Scarborough Jr. is a financial advisor with Ameriprise in San Rafael, CA, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. His prior work includes roles at Cirrus Research LLC and Citibank before joining Ameriprise in 2019. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Lois Leynse is a financial advisor with Cetera based in Oakland, CA. She holds Series 63 and Series 65 licenses and has 28 years of industry experience, including over 27 years with Avantax Advisory Services. In addition to her advisory work, she has operated the Financial Fitness Center since 1993, specializing in tax preparation and supervision. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.