Sandy Magid is a financial advisor with Cetera, holding a Series 66 credential and bringing 27 years of industry experience. Prior to joining Cetera in 2025, he worked extensively with Avantax and maintained a longstanding role at Magid Accountancy Corporation, a CPA practice he has led since 2004. He is involved in various activities outside of direct advisory work, including serving as President and board member of the Marin County Estate Planning Council and holding trustee roles for multiple family trusts. Cetera Investment Advisers LLC serves a diverse client base including individual investors, employer-sponsored retirement plans, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supporting both discretionary and non-discretionary accounts.

James Gilmore is a financial advisor at Ameriprise in San Rafael, CA, holding Series 65 and Series 63 designations with nine years of industry experience. He has worked at Janus Henderson in various roles from 2016 to 2024 before joining Ameriprise in 2024. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focusing on income sources and tax-aware withdrawal strategies.

Pema Tenzin is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Wells Fargo Bank since 2009. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Daryl Cisson is a financial advisor with Wells Fargo Clearing in Oakland, CA, holding a Series 66 designation and 24 years of industry experience. His career includes roles at Wells Fargo Investments, LLC and Banc of America Investment Services, Inc. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute and external sources.

Cynthia Morris is a financial advisor with Merrill in Mill Valley, CA, holding Series 65 and Series 63 licenses and 17 years of industry experience. She has worked at several firms, including Litman Gregory Wealth Management and Sensiba San Filippo Financial Advisers, as well as prior tenure at Merrill and Bank of America. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with a range of model-based and discretionary investment strategies.

Egan Brown is a financial advisor with Morgan Stanley in Oakland, CA, holding a Series 66 credential and nine years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2017 and previously worked at H&R Block. Outside of his advisory role, he owns and manages real estate investment activities. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers tailored financial planning and a range of advisory programs, managing approximately $2.74 trillion in client assets.

Barbara Heaton is a financial advisor at LPL Enterprise with 40 years of industry experience. She holds Series 65 and Series 63 licenses and has worked at Prudential Insurance Company of America and Pruco Securities, LLC for several decades prior to joining LPL Enterprise. Outside of her advisory role, she is an owner of a sports bar in San Francisco. LPL Enterprise provides investment advisory and brokerage services to a broad client base, including individual and high-net-worth investors, retirement plans, and corporate and charitable entities. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and offers financial planning, third-party asset manager access, and insurance product sales through affiliated entities.

Madeline Jay is a financial advisor at Cetera with 42 years of industry experience. She holds the ChFC® designation along with Series 63 and Series 65 licenses. Prior to joining Cetera in 2021, she worked at VOYA Financial Advisors from 2014 to 2021. Jay is also an independent insurance agent with a business dedicated to the sales and service of fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm serving individual investors, retirement plans, corporations, charitable clients, and institutions. The firm offers a range of services including portfolio management, financial planning, and access to third-party money managers, operating a multi-manager platform with over 10,000 advisors and more than $256 billion in assets under management.

Nolan Phillips is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and four years of industry experience. Prior to joining Wells Fargo in 2026, he worked at UBS Financial Services Inc. for six years and has also held positions at Amazon Inc. and Bank of Marin. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets, offers both brokerage and advisory solutions, and utilizes research from the Wells Fargo Investment Institute alongside third-party analytics.

Jose Jimenez is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 11 years of industry experience. He previously worked at Bank of America N.A. and Merrill from 2012 to 2022 before joining J.P. Morgan Securities in 2022. 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 screens and qualitative research to build model asset allocations and incorporates ESG eligibility frameworks where applicable.

John Macchi is a financial advisor at Morgan Stanley with 40 years of industry experience. He holds a Series 63 designation and has worked at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets from 1993 to 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that includes firm-approved tools and scenario modeling.

Stephanie Olson is a financial advisor with Cambridge Investment Research Advisors, Inc. She holds a Series 66 designation and has 13 years of industry experience. Prior to joining Cambridge in 2019, she worked at Morgan Stanley and Morgan Stanley Private Bank from 2013 to 2019. Cambridge Investment Research Advisors serves a diverse client base, including individual investors, pension funds, and charitable organizations, providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a large network of financial professionals. The firm offers access to multiple platforms and custodians, proprietary model strategies, and both discretionary and non-discretionary management services.

Mitchell Flores is a financial advisor with Fidelity Investments, holding a Series 66 designation and one year of industry experience. Prior to joining Fidelity, he held various roles including at FJC Management Inc and River Terrace Inn. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios.

David Swartz is a Managing Director and Wealth Management Advisor with Merrill Lynch Wealth Management in Mill Valley, California. He brings over thirty years of experience in investment management, assisting clients with various aspects of their financial lives, including investments, legacy planning, tax considerations, credit needs, long-term strategy, and family dynamics. David is a CFA® charterholder and has worked extensively in family wealth management strategies, legacy planning, LGBT wealth planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management, individual and corporate investment strategy, and tax minimization. Prior to joining Merrill, David was the Director of Investment Management for the Northern California Region of Northern Trust Bank, where he managed a large portfolio and supervised a team of portfolio managers. He has also held senior management and portfolio management positions at other major banks. David earned both his B.S. degree in Journalism and M.B.A. in Finance from the University of Florida and holds the Chartered Financial Analyst (CFA), Personal Investment Advisor (PIA), and Sports & Entertainment (SE) designations. Outside of his professional career, David has served on the Board of Directors of the Community Music Center in San Francisco and has been involved in various other community organizations. He enjoys cooking, football, ice hockey, music, photography, racquetball, reading, spending time with his family, traveling, and watching movies.

Jason Hofmann is a financial advisor with LPL Financial in Oakland, CA, holding Series 63 and Series 65 licenses and 21 years of industry experience. His career includes prior roles at Commonwealth Financial Network and earlier tenures at LPL Financial, OSAIC Services, Inc., and Sunamerica Securities, Inc. He also spends a small portion of time on fixed insurance sales conducted from his branch location. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, including model portfolios, third-party asset management access, and institutional platforms, supported by a broad network of over 22,900 advisors.

Lauren Zee is a financial advisor with Charles Schwab, holding a Series 66 designation and four years of experience in the industry. She has been with Charles Schwab and Charles Schwab Bank since 2022. Outside of her advisory role, she coaches wrestling at Sacred Heart Cathedral, the high school she attended. Charles Schwab 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 a combination of non-discretionary investment guidance and access to discretionary separately managed accounts.

Martin Dunn is a Series 66 licensed financial advisor with Charles Schwab, based in Corte Madera, California. He has 26 years of industry experience and has been with Charles Schwab and Charles Schwab Bank since 1998 and 2005, respectively. 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 advisory guidance alongside access to discretionary separately managed accounts, leveraging multi-asset model portfolios and a centralized operational structure.

Rachel Kossler is a financial advisor with Edward Jones in Oakland, CA. She holds the Series 66 designation and has one year of industry experience. Prior to joining Edward Jones, she worked at Williams Sonoma Inc, Gap Inc, and SHC. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a large network of financial advisors and branch offices nationwide.

Sunny Sharma is a financial advisor with Cambridge Investment Research Advisors and holds a Series 66 designation. He has 11 years of industry experience, having previously worked at Edward Jones, LPL Financial, Commonwealth Financial Network, and Irving Fisher Private Wealth Management. Outside of advising, he is also an independent insurance agent. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, offering financial planning, investment management, and retirement-plan advisory services across multiple platforms and custodians.

Douglas Anderson is a CFA® charterholder with 20 years of industry experience. He is affiliated with Morgan Stanley in Oakland, CA, where he has worked since 2019. Prior to joining Morgan Stanley, he spent 18 years with BMO Family Office, LLC and Harris MyCFO. Morgan Stanley Wealth Management is a large SEC-registered adviser and broker-dealer serving individuals and institutional clients with a variety of advisory and financial planning services, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and investment models to support personalized financial plans, primarily acting in an advisory capacity.