Luke Lee is a financial advisor with Charles Schwab, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. His prior roles include positions at TD Ameritrade and Charles Schwab Bank. 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, offering both non-discretionary and discretionary investment guidance through a multi-asset model portfolio approach and centralized operational infrastructure.

Catherine Evans is a CFP® with 23 years of industry experience, currently serving at J.P. Morgan Securities. She has held roles at First Republic Investment Management and related entities from 2002 to 2023. Outside of her advisory work, she is an owner and partner of Ski More LLC, a company formed to own a ski condominium that participates in a rental pool. 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. The firm combines large institutional advisory operations with broker-dealer, investment adviser, and commodity pool operator registrations.

Steven Varlas is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2011. Outside of finance, he has been involved with NAALI FIT, LLC, a fitness-related business. 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. The firm combines institutional advisory capabilities with brokerage and investment management services.

Betty Lee is a financial advisor at Cetera with 29 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Principal Securities Inc. and Principal Life Insurance Company for eight years. She serves on the board of the Stapleton School of the Performing Arts and is president of the Northern California chapter of Women in Financial Services, where she leads initiatives to develop and advance women in the industry. Lee also serves as co-treasurer and board member of Gilead House. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to multiple program platforms, operating as a multi-manager platform with a wide range of investment options and over $256 billion in assets under management.

Akgaukhar Nuskabayeva is a financial advisor at Wells Fargo Clearing with a Series 66 designation and three years of industry experience. Her prior roles include positions at J.P. Morgan Securities LLC, Thrivent Financial, and VTB Capital. Outside of finance, she is an owner and partner of a home kitchen bakery called Bread For Joy LLP. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers investment advisory services, financial planning, and retirement plan consulting, utilizing research from Wells Fargo Investment Institute and third-party databases to support diversified portfolio strategies.

Eric Schreiber is a financial advisor at Fidelity with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Strategic Advisers since 2002, Fidelity Brokerage Services LLC since 2001, and Fidelity Personal and Workplace Advisors since 2018. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm combines proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary accounts, model portfolios, and multi-manager fund structures.

Nancy Knight is a financial advisor at LPL Financial with 19 years of industry experience. She has been with LPL Financial since 2012 and holds the Series 66 designation. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement consulting, and brokerage services with access to model portfolios, research, and various investment strategies.

Javier Perez is a ChFC® and Series 63 credentialed advisor with 42 years of industry experience. He is currently with OSAIC Wealth, Inc., having joined in 2024, and previously worked at Massachusetts Mutual Life Insurance Company and Ameritas Life Insurance Corp., among others. Perez also serves as an associate director offering legal membership services with Legal Shield. OSAIC Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisors and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, utilizing asset-allocation tools and third-party solutions to construct portfolios that include a variety of investment types and management options.

Paul Lassalle is a financial advisor at Fidelity with 17 years of industry experience. He holds Series 63 and Series 66 designations and has worked at several firms including Pensionmark Securities, LPL Financial, and Global Retirement Partners. His current tenure at Fidelity spans multiple periods since 2015. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to diverse clients including retail and institutional investors. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and manages multiple registered investment companies with oversight and systematic methodologies.

Garrett W. Bates is a financial advisor at UBS Financial Services in Lafayette, CA, with 17 years of industry experience. He has been with UBS since 2010 and holds a Series 66 designation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services and offers access to proprietary research and capital markets solutions.

Crystal Norris is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and possessing 31 years of industry experience. Her prior roles include positions at Wells Fargo Clearing and Wells Fargo Advisors. She is also the owner of Crystal Clear Wealth Management, a financial services business. Cetera Investment Advisers LLC is an SEC-registered firm supporting a nationwide network of over 10,000 advisors and serving a broad client base ranging from individual investors to institutional accounts. The firm offers various portfolio management and retirement services through a multi-manager platform that includes model portfolios, third-party managers, and bespoke strategies.

Mason Arnold is a financial advisor at Fidelity with Series 66 and Series 63 licenses and three years of industry experience. He has worked at Fidelity Investments since 2022 and previously held roles at DXC Technology and Avetta LLC. He is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm uses a combination of fundamental research and quantitative analysis to construct model portfolios that include mutual funds, ETFs, and ETPs.

Roberto Garfias is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 20 years of industry experience. He previously worked at Bank of America, N.A. and Merrill from 2014 to 2023. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Scott Symank is a financial advisor with Morgan Stanley in Pleasanton, CA, holding a Series 66 designation. He has professional experience beginning in 2025 with Clearwater Analytics and joined Morgan Stanley in 2026. His background includes four years at Clemson University and prior roles in education. 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 advanced modeling tools.

Dwight Peterson is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 16 years of industry experience. He has been associated with LPL Financial since 2015 and has worked with Advantage Wealth Advisors since 2017. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, retirement plan consulting, and brokerage services.

Lu Hao is a financial advisor with J.P. Morgan Securities, holding Series 65 and Series 63 licenses and two years of industry experience. He previously worked at China Merchants Bank for seven years and has been with J.P. Morgan Securities and JPMC Bank NA since 2023. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling and a centralized due diligence process. The firm emphasizes an ESG eligibility framework and offers customized, non-discretionary advice through its Institutional Consulting Services program.

Ming Lo is a financial advisor with Charles Schwab, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. His prior work includes 18 years at TD Ameritrade, Inc. He is based in San Ramon, CA. Charles Schwab serves a large client base of primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary and discretionary portfolio management alongside brokerage and custody services. Schwab’s integrated structure combines centralized supervision and multi-asset investment guidance with access to alternative investments and cash-sweep solutions.

Khoa Luong is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing nine years of industry experience. He has been with J.P. Morgan in various roles since 2017, including positions at JPMorgan Chase Bank and JP Morgan Securities LLC. Prior to that, he worked at Enterprise Holdings for three years. 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 institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain decision-making authority.

Scott Edington serves as a Senior Financial Advisor at Merrill Lynch Wealth Management. In this role, he collaborates with Corporate Executives, Business Owners, and Retirees, guiding them through personalized wealth management strategies. His responsibilities include addressing client priorities such as preserving and growing wealth, mitigating taxes, supporting loved ones, and facilitating charitable giving. Scott emphasizes client goals as the foundation of his team's approach to financial planning. Scott's expertise encompasses executive compensation, family wealth management, liquidity management, personal retirement planning, small business strategies, tax minimization, and retirement income. He provides access to investment insights from Merrill as well as banking and lending solutions from Bank of America to create strategies responsive to changing market conditions. He holds the Personal Investment Advisor (PIA) designation. Scott attended Butte College without obtaining a degree and completed his high school education at Granada High School. Beyond his professional work, he participates in community service, volunteering with local organizations in line with Merrill's tradition of community involvement.

Samer Georges is a Financial Consultant at Fidelity Investments, where he collaborates with clients to develop strategies tailored to their individual priorities and evolving goals. His approach emphasizes transparency and partnership, helping clients navigate financial options with clarity and confidence to create informed plans aligned with their values. He has been with Fidelity Investments since 2024, initially serving as an Investment Consultant before becoming a Financial Consultant. Prior to that, Samer worked at JPMorgan Wealth Management as a Private Client Advisor from 2021 to 2024 and as a Private Client Banker at JPMorgan Chase from 2019 to 2021. He holds a California Insurance License. Outside of his professional work, Samer enjoys spending time at the beach, social events with friends, watching movies, playing soccer, swimming, and traveling.