Martha Mastracci is a Planning Consultant at Fidelity Investments, a role she has held since 2025. She works closely with clients to understand their unique circumstances, priorities, and long-term goals, aiming to build personalized plans that align with their vision for the future. She regularly reviews client progress and discusses strategies to improve outcomes or reduce risk, with the goal of helping clients feel confident and secure about their financial future. Martha has extensive experience in financial services, having previously served as a Relationship Manager at First Republic Bank from 2011 to 2023, Senior Vice President at Boston Private Bank from 2001 to 2011, and Assistant Vice President at The Boston Company from 1985 to 2001. She holds a California Insurance License. Outside of her professional work, Martha has an interest in art, football, golf, and traveling.

Robert Tracy is a CFP®-designated financial advisor with 18 years of industry experience. He is currently with LPL Financial and has previously worked at Lincoln Financial Securities, Massachusetts Mutual Life Insurance Company, Mass Mutual Investors Services, and MetLife Securities Inc. Outside of his advisory work, he is a co-owner of a sports cards and memorabilia business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, 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, and retirement plan consulting.

Jeffrey Snyder is a CFP® with over 31 years of industry experience. He is currently with Charles Schwab, where he has worked since 2021, following prior roles at TD Ameritrade and Scottrade. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a range of integrated brokerage, custody, and advisory services.

Stephanie Green is a financial advisor with Morgan Stanley in Oakland, CA, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and the Morgan Stanley Private Bank, National Association since 2015. Outside of her advisory role, she is involved in healthcare administration at Alta Bates Medical Center and works as a nurse with the Visiting Nurses Association. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs to individuals and institutions. The firm provides tailored financial planning through its Financial Advisors and Estate Planning Strategies Group, managing approximately $2.74 trillion in client assets.

Yingzhi Xi is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds the Series 63 and Series 66 designations and has worked at JPMorgan Chase Bank, N.A. and Wells Fargo Bank, N.A. 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 and fund searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis.

Jeffrey Snyder is a financial advisor with Cambridge Investment Research Advisors in San Ramon, CA. He holds Series 63 and Series 65 licenses and has 30 years of industry experience, including over 10 years with Cambridge. Outside of his advisory role, he is a sales agent for Gateway Insurance Group. Cambridge Investment Research Advisors serves a diverse client base, including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent financial professionals, utilizing various platform arrangements and a mix of proprietary and third-party investment strategies.

Eddy Shum is a CFP® and PFS™ with 37 years of experience in the financial industry. He is currently with LPL Financial and has held prior roles at Grove Point Investments, Grove Point Advisors, H. Beck, and USA Financial Securities Corporation. Shum also operates Peak Retirement, Inc., a business entity he has maintained since 1999. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of representatives. The firm offers a range of advisory programs and services, utilizing model portfolios and research from multiple sources, and provides both discretionary and non-discretionary portfolio management.

Masihulla Nawabi is a financial advisor with J.P. Morgan Securities in Danville, CA, holding Series 63 and Series 66 credentials and bringing 16 years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2013. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through its Institutional Consulting Services program. The firm’s approach integrates quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Stephane Johnston is a Financial Consultant at Fidelity Investments, where he has been assisting clients since 2020. He specializes in wealth planning using a goals-based planning approach to help clients achieve their financial objectives. Prior to this role, Stephane served as a Vice President Senior Private Client Advisor at Bank of the West from 2016 to 2020 and as an Investment Counselor at Fisher Investments from 2014 to 2016. Stephane holds a California Insurance License, supporting his ability to provide comprehensive financial advice. Outside of his professional responsibilities, he engages in various personal interests including family activities, golf, running, soccer, traveling, and volunteering.

Nicholas Rogers is a financial advisor with Morgan Stanley in Burlingame, CA, holding a Series 63 designation and bringing 31 years of industry experience. He has worked at various Morgan Stanley entities since 2008, including Morgan Stanley Private Bank, National Association since 2015. 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 tailored financial planning services supported by structured discovery conversations and firm-approved planning tools.

Veronique Hsu is a financial advisor at Edward Jones with a Series 66 credential and one year of industry experience. Prior to joining Edward Jones, she worked at Trader Joe's and held various roles at Temple University and other organizations. 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 solutions, managing approximately $1.01 trillion in assets through a large network of financial advisors and branch offices nationwide.

Devenaire Wright is a financial advisor at Charles Schwab based in Oakland, CA, holding Series 63 and Series 66 designations with one year of industry experience. Prior to joining Schwab, Wright held positions at several firms including Price Family INEOS Grenadier of Marin and Northwestern Mutual. Before entering the financial industry, Wright worked at Toyota for five years. 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 a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts.

David Carlisle is a Series 66-licensed financial advisor with Thrivent Investment Management, where he has worked since 2014 and at THRIVENT Financial since 2015, totaling 11 years in the industry. He is active in youth development as Committee Chairman for Cub Scouts Pack 914 and as an Assistant Scoutmaster for Boy Scouts Troop 924 in Livermore. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofits through a large network of advisors, focusing on holistic, goal-based planning across a broad range of financial topics without discretionary trading authority.

Ian Staley is a financial advisor with OSAIC in Pleasanton, CA, holding a Series 66 designation and possessing 26 years of industry experience. He has worked at Royal Alliance Associates, Inc. since 2018 and previously at Signator Investors, Inc. from 2016 to 2018. He is also the sole proprietor of Staley Financial Services, specializing in life insurance sales, case design, and planning. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisors. The firm provides integrated brokerage and advisory services with a range of portfolio management strategies and third-party solutions.

Spencer Jung is a financial advisor at OSAIC with five years of industry experience. He holds a Series 66 designation and has previously worked at Lincoln Financial Advisors, O'Brien Wealth Partners, and Grantham, Mayo & Van Otterloo. Outside of investment advising, he is also licensed to offer fixed insurance products, including health and traditional life insurance. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, financial planning, retirement plan consulting, and access to third-party money managers, employing various tools and automated processes to construct and manage diversified portfolios.

Rajiv Eluthesen is a Wealth Management Advisor at Merrill Lynch Wealth Management. He began his career with Merrill Lynch in 2010 after graduating from the University of California at Berkeley's Haas School of Business. Rajiv works collaboratively with clients across various stages of their financial lives, developing tailored wealth management strategies to support retirement, education planning, stock options, and RSUs management, among other goals. He holds the CERTIFIED FINANCIAL PLANNER™ certification and Personal Investment Advisor designation. Rajiv's professional expertise includes education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, socially responsible and ESG investing, women and wealth, tax minimization, and retirement income strategies. He is a member of the Peninsula Velo cycling team. Outside of his professional work, Rajiv enjoys cycling, ski trips, hiking, camping, cooking, reading, and spending time with his family. He has combined his interests in travel and cycling through activities such as riding from Barcelona to France.

Sebastien Alezeau is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and seven years of industry experience. He has been with Wells Fargo Clearing Services LLC since 2018 and has also worked with Wells Fargo Bank NA since 2009. 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 IPS-driven advisory process incorporates modern portfolio theory and includes a broader range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Phillip Hohn is a Senior Financial Advisor with Merrill Lynch Wealth Management. He leads the Hohn Group, which provides customized, objective guidance to clients with a focus on creating personalized wealth management strategies that prioritize risk-averse investment portfolios and streamlined financing options. The group serves technology executives, high-net-worth individuals, and small business owners across 16 states. Phillip offers expertise in areas such as portfolio management, retirement planning, education and estate planning, concentrated stock exit strategies, and corporate retirement plan asset management. With over four decades of industry experience, Phillip and his team emphasize a holistic and individualized approach to wealth management, tailoring strategies to each client's unique goals, time horizon, and risk tolerance. The group extensively supports clients with stock option and Employee Stock Plan Services, particularly assisting Silicon Valley technology executives since 1998. Phillip holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Phillip earned his High School Diploma/GED from Chabot College. He is bilingual in Persian and English. Outside of his professional focus, Phillip engages in community volunteer work and enjoys personal interests such as biking, boating, camping, fishing, hiking, reading, woodworking, traveling, spending time with family, and watching movies.

Natalia Koritskaya is a CFP® professional with 11 years of industry experience, currently advising clients at LPL Financial since 2025. She previously spent a decade with Ameriprise from 2015 to 2025. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, supporting both discretionary and non-discretionary management with research and model portfolios.

Blake Welpton is a Wealth Management Advisor with over 25 years of experience in the financial industry. He is dedicated to helping clients achieve their long-term financial goals through a comprehensive and personalized wealth management process. Blake offers expertise in investments, wealth and risk management, retirement planning, long term care, education, divorce, and estate planning services. He provides clients with access to the resources of Merrill Lynch Wealth Management and the banking services of Bank of America. Blake holds the Chartered Financial Consultant (ChFC) and Certified Divorce Financial Analyst (CDFA) designations. He earned a Bachelor's degree from California State University San Francisco. His approach emphasizes personalized service aimed at making the financial aspects of life easier for his clients. Outside of his professional work, Blake enjoys basketball, billiards, boating, bowling, football, gardening, spending time with family, swimming, and traveling. He is active in the community, supporting organizations such as Beyond Emancipation and Children's International.