Thupten Namgyal is a financial advisor at OSAIC with 17 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked for Woodbury Financial Services, Inc. for 10 years. Namgyal is based in Novato, California. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform. The firm offers a range of brokerage and advisory services with an emphasis on model-based asset allocation, portfolio optimization, and a variety of managed account programs.

John Upcher is a financial advisor at Fidelity with one year of industry experience. He holds the Series 66 designation and has prior work experience at Lucid Motors and Cartelligent. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, as well as registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios that may delegate management to affiliated or unaffiliated sub-advisers while maintaining oversight controls.

Shanna Bearden is a financial advisor with Morgan Stanley in Oakland, CA, holding a Series 66 designation and 18 years of industry experience. She has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2013. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering structured financial planning supported by firm-approved tools and guidance from specialized groups such as the Estate Planning Strategies Group.

Jagmohan Singh is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Wells Fargo Clearing since 2016, also working at Wells Fargo Bank, N.A. since 2012. Wells Fargo Advisors provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm operates nationally with over 14,000 advisors and manages approximately $671 billion in assets, offering both brokerage and advisory solutions.

Pauline Wong is a financial advisor at Morgan Stanley with 19 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds a Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services supported by structured discovery processes and firm-approved tools.

Chadwick Clarke is a financial advisor at OSAIC with eight years of industry experience and holds a Series 66 designation. He previously worked at Woodbury Financial Services, Alvarado Financial Services, and Larkspur Financial Advisors. Outside of his advisory role, Clarke is President and CEO of Clarke Financial Consulting, a company focused on corporate group benefits including health, life, and disability policies. 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 approach centers on model-based asset allocation and portfolio optimization, supported by various tools and discretionary management options.

Jennifer Johnston is a financial advisor with Charles Schwab, holding Series 63, 65, and 66 licenses and bringing 32 years of industry experience. Her prior experience includes roles at TD Ameritrade, Valic Financial Advisors, Mcclurg Capital Corporation, and Banc of America Investment Services. 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 provides a combination of non-discretionary and discretionary investment options, supported by centralized custody, transaction, and advisory resources.

Steven Soja is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His career includes roles at Credit Suisse Securities, First Republic Investment Management, and JPMorgan Chase Bank. He serves as Board Member and Chair of the Investment Committee for Family House Inc., a nonprofit providing housing for patients at UCSF Children's Hospital. J.P. Morgan Securities offers institutional consulting services to plan sponsors, corporations, and endowments, providing non-discretionary, written asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and a manager solutions team.

Glenn Smith is a financial advisor with Charles Schwab, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has been with Charles Schwab since 2007 and worked at Charles Schwab Investment Advisory, Inc. from 2020 to 2021. 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 and discretionary investment options, supported by multi-asset model portfolios and a centralized operational structure.

Michael Dolan is a financial advisor with Charles Schwab, holding Series 63 and Series 65 credentials and over 26 years of industry experience. He has worked at Lloyds of London and John Hancock as a principal since 2015 and has been affiliated with Charles Schwab & Co., Inc. since 2012. Dolan receives residuals from insurance policies sold prior to his time at Schwab. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated financial planning services, offering a combination of non-discretionary and discretionary investment solutions supported by comprehensive research and integrated operational infrastructure.

Nina Gabriel is a Wealth Management Advisor at Merrill Lynch Wealth Management, specializing in creating personalized financial strategies to help clients pursue their long-term goals. She works with a select group of families and businesses, focusing on areas such as education planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, socially responsible investing, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income. Gabriel holds a Bachelor's degree from the University of California system and is a CERTIFIED FINANCIAL PLANNER® professional as well as a Personal Investment Advisor. She has been with Merrill since 1978, starting in the San Francisco branch office and later helping to open the Mill Valley branch in 1994. In 2020, she formed a partnership with Riley Gabriel-Lee. She resides in San Anselmo, Marin County, where she has lived since 1980. In addition to her professional work, Gabriel is involved in her community, volunteering with local organizations. Her personal interests include antiquing, gardening, hiking, traveling, watching movies, and spending time with her family.

Karen Jaber is a financial advisor at LPL Financial with 32 years of industry experience. She holds Series 63 and Series 65 designations and has previously worked at Western International Securities, Inc., GBS Financial Corp., and Wedbush Securities Inc. In addition to her advisory role, she conducts seminars and workshops focused on successful aging. 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 advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Alexander Heckmann is a financial advisor at Stifel with four years of industry experience and holds a Series 66 designation. He has worked at Stifel since 2019, with a brief period of employment outside the financial industry including roles at Fisherman's Market and University of Oregon. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services that incorporate proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

Dianne Jones is a financial advisor at LPL Financial with 22 years of industry experience and holds a Series 66 designation. She has worked at LPL Financial since 2015, following a year at Ameriprise. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, with an emphasis on both strategic and tactical investment approaches.

Mike Chang is a financial advisor at Charles Schwab with 27 years of industry experience. He holds Series 63 and Series 66 designations and has been with Charles Schwab since 1999, including 21 years at Charles Schwab Bank in Berkeley, CA. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of advisory, brokerage, custody, and financial planning services. The firm’s investment approach includes multi-asset model portfolios with both non-discretionary and discretionary managed account options.

Nora Clifford is a Financial Consultant at Fidelity Investments, a position she has held since 2025. Prior to this role, she served as a Planning Consultant at Fidelity Investments from 2022 to 2025. She has experience in retirement services, having worked as a Retirement Services Specialist at ForUsAll from 2021 to 2022. Earlier in her career, she was a Financial Advisor at AXA Equitable (Stonebridge Financial Group) from 2019 to 2021 and a Certified Divorce Financial Analyst at Wellspring Divorce Advisors from 2015 to 2019. Throughout her career, Nora has focused on providing thoughtful guidance and developing holistic financial strategies. Her approach emphasizes listening to clients to understand their priorities, whether they are growing their wealth or preparing for retirement. She holds a California Insurance License.

Mohammed Bunyad is a financial advisor with J.P. Morgan Securities based in Novato, CA. He holds a Series 66 designation and has 21 years of industry experience. His prior work includes positions at Bank of the West, Wells Fargo Clearing, and Banc of America Investment Services. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.

Frank Lavin is a CFP® and ChFC® affiliated with OSAIC, based in San Francisco, CA, with 39 years of industry experience. His prior roles include positions at Securities America Advisors and National Planning Corporation. Outside of his advisory work, he has served as a past president and board member of the Salesian Boys' and Girls' Club and holds board roles with the Fishermen and Seamen's Memorial Chapel. OSAIC serves a diverse client base including retail and institutional investors, offering both brokerage and advisory services through a multi-advisor platform. The firm’s investment process focuses on model-based asset allocation and portfolio optimization, supported by a range of proprietary and third-party strategies.

John Riley is a Wealth Management Advisor with Merrill Lynch Wealth Management in Mill Valley, where he has been advising clients since 2008. He specializes in areas including college education planning, corporate benefits, divorce transition planning, and family wealth management strategies. John takes a holistic approach to wealth management, focusing on integrating clients’ objectives into personalized plans that adapt to their evolving needs. John holds a Bachelor's Degree from the University of Arizona and has earned professional designations as a CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). He combines investment planning tools and professional resources to create customized strategies aimed at helping clients pursue their long-term financial goals. Additionally, John participates in community volunteer work as part of his commitment to the traditions of Merrill Lynch Wealth Management. Outside of his professional activities, John enjoys golfing, music, and tennis. His approach emphasizes one-on-one collaboration to develop financial strategies tailored to individual client priorities.

Tommy Huynh is a Certified Financial Planner (CFP®) with 10 years of industry experience. He is currently affiliated with Morgan Stanley, where he has worked since 2022, following prior roles at Citigroup and JP Morgan. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a wide range of advisory programs and tailored financial planning services supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial plans.