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. He holds a Series 66 designation and has previously worked at Woodbury Financial Services Inc., Alvarado Financial Services, and Larkspur Financial Advisors. Additionally, he serves as President and CEO of Clarke Financial Consulting, which provides corporate group benefits including health, life, and disability policies. OSAIC serves a broad mix of retail and institutional clients through a large network of financial advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, financial planning, and unified managed accounts, using a variety of asset-allocation tools and third-party solutions to construct diversified portfolios.

Jennifer Johnston is a financial advisor with Charles Schwab, holding Series 63, 65, and 66 licenses and bringing 31 years of industry experience. Her previous roles include positions at TD Ameritrade, Valic Financial Advisors, and Mcclurg Capital Corporation. 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 both non-discretionary and discretionary investment guidance, leveraging multi-asset model portfolios, alternative investment due diligence, and a distinctive integrated structure combining advisory, brokerage, custody, and cash-sweep services.

Henry Popko is a financial advisor with Merrill, holding a Series 66 designation and based in Corte Madera, CA. He has been with Merrill since 2025 and previously worked at Bank of America, N.A. and Redwood Credit Union. 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 offers model-based and discretionary investment strategies designed for individual, high-net-worth, pension, corporate, and charitable clients.

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. He has worked at JPMorgan Chase Bank, NA, and First Republic Investment Management, Inc. Outside of his advisory role, Soja serves as Chair of the Investment Committee and board member for Family House Inc., a nonprofit providing housing to families seeking treatment at UCSF Children's Hospital. J.P. Morgan Securities LLC delivers institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines institutional advisory services with brokerage and investment management capabilities, operating with a centralized due-diligence framework that includes ESG eligibility processes.

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 previously worked for Western International Securities, Inc. for 12 years before joining LPL Financial in 2025. Outside of her advisory role, she conducts seminars and workshops focused on successful aging. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

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 with LPL Financial in Vallejo, CA, holding a Series 66 designation and 22 years of industry experience. She has been with LPL since 2015. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, and corporations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, and retirement plan consulting, utilizing both discretionary and non-discretionary management strategies supported by extensive research and a variety of investment options.

Mike Chang is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and 26 years of industry experience. He has been with Charles Schwab since 1999 and with Charles Schwab Bank since 2005. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment options, leveraging multi-asset model portfolios and centralized operational infrastructure.

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 at J.P. Morgan Securities with 20 years of industry experience. He holds a Series 66 designation and has worked at JPMorgan Chase Bank, N.A. and Bank of the West prior to his current role. J.P. Morgan Securities 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 select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory services with brokerage, distribution, and investment management capabilities.

Frank Lavin is a financial advisor at OSAIC based in San Francisco, CA, holding the CFP® and ChFC® designations with 39 years of industry experience. He previously worked at Securities America Advisors and National Planning Corporation. Outside of his advisory role, Lavin has served as a past president and board member of the Salesian Boys' and Girls' Club and participates in community organizations including the Sts. Peter and Paul Church Parish Council and the Fishermen and Seamen's Memorial Chapel. OSAIC serves a diverse client base, including individual, high-net-worth, pension, corporate, and charitable clients, providing a range of brokerage and advisory services supported by integrated technology and third-party platforms.

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.

Chloe Mc Kenna is a financial advisor at Morgan Stanley with three years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley and its Private Bank since 2021. Prior to her finance career, she was affiliated with the University of Colorado Boulder and San Ramon Valley High School. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning that uses firm-approved tools and methodologies to model potential outcomes.

Thomas Balistreri is a financial advisor at Equitable Advisors with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Pruco Securities, LLC, The Prudential Insurance Company of America, Princor Financial Services Corporation, and Principal Life Insurance Company. Outside of his advisory role, he operates as an independent agent in fixed business and works as a DoorDash delivery driver in San Francisco. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through various third-party programs. The firm uses a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels to implement client recommendations.

Samantha Lewins is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. She holds a Series 66 designation and previously worked at First Republic Investment Management and J.P. Morgan Securities. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.