Eric Schreiber is a financial advisor with Fidelity Investments, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. His career includes roles at Strategic Advisers and Fidelity Personal and Workplace Advisors. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, utilizing systematic methodologies and long-term asset allocation benchmarks.

Nancy Knight is a Series 66-licensed financial advisor with 20 years of industry experience. She has worked at LPL Financial since 2012 and previously spent six years at Edward Jones. She is based in Fremont, CA. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and model portfolio programs, and supports investment advisers with tools such as machine learning for operational and research purposes.

Javier Perez is a financial advisor at OSAIC with 42 years of industry experience. He holds the ChFC® designation and Series 63 license. His prior experience includes roles at Massachusetts Mutual Life Insurance Company and Ameritas Life Insurance Corp., among others. Perez is also an Associate Director at Tesoro Financial Group, where he offers legal membership services. OSAIC serves a wide range of retail and institutional clients through a multi-advisor platform, providing brokerage and advisory services including financial planning, managed portfolios, and retirement consulting. The firm employs a model-based investment approach with a focus on asset allocation and portfolio optimization.

Paul Lassalle is a financial advisor with Fidelity and holds Series 63 and Series 66 registrations. He has 18 years of industry experience, including multiple tenures at Fidelity as well as positions at Pensionmark Financial Group, LPL Financial, and Global Retirement Partners. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including model portfolio construction based on a combination of fundamental research, quantitative analysis, and algorithmic methods. The firm provides discretionary and non-discretionary advisory services, fund advisory, and consulting, with oversight of affiliated and unaffiliated sub-advisers.

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 at Cetera with 31 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Wells Fargo Clearing, Morgan Stanley, and Citigroup Global Markets. She is also the owner of Crystal Clear Wealth Management, a financial services firm. Cetera Investment Advisers LLC is an SEC-registered adviser that operates a multi-manager platform, serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a network of over 10,000 independent advisors. The firm offers a range of portfolio management and financial planning services with access to both affiliated and third-party money managers.

Mason Arnold is a financial advisor at Fidelity with Series 66 and Series 63 credentials and three years of industry experience. He has held roles at Fidelity Investments, DXC Technology, and Avetta LLC. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including IRS-qualified Charitable Gift Funds and registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios composed of mutual funds, ETFs, and ETPs.

Roberto Garfias is a financial advisor at Wells Fargo Clearing with 21 years of industry experience. He holds the Series 66 designation and has worked previously at Bank of America, Merrill, and various Wells Fargo entities. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, retirement plan consulting, and brokerage services. The firm manages approximately $671 billion in assets and offers a range of solutions supported by research and analytics, including consulting and discretionary services for retirement plans.

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 16 years of industry experience. His prior work includes roles at Advantage Wealth Advisors and National Planning Corporation. He is based in Alamo, California. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and asset management services, combining advisory platforms with non-advisory financial activities and oversight of over $819 billion in discretionary assets.

Lu Hao is a financial advisor at J.P. Morgan Securities with Series 65 and Series 63 licenses and two years of industry experience. Prior to joining J.P. Morgan Securities in 2023, he worked at China Merchants Bank from 2014 to 2021. 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 and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research to build model asset allocations and incorporates an ESG eligibility framework.

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 at J.P. Morgan Securities with nine years of industry experience. He holds the Series 63 and Series 66 designations. Prior to his current role starting in 2017, he worked at Enterprise Holdings from 2013 to 2016. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm focuses on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a mix of quantitative and qualitative research.

Scott Edington is a Senior Financial Advisor at Merrill Lynch Wealth Management. In this role, he and his team specialize in providing wealth management strategies tailored to corporate executives, business owners, and retirees. They focus on key areas such as executive compensation, family wealth management strategies, liquidity management, personal retirement planning, small business strategies, tax minimization, and retirement income. Edington works closely with clients to develop personalized financial plans aimed at preserving and growing wealth, mitigating taxes, supporting loved ones, and facilitating charitable giving. His approach is founded on the principle that clients' goals are the central focus of their financial strategies. He emphasizes empowering clients to make better decisions through flexible strategies adaptable to changing market conditions. He holds the Personal Investment Advisor (PIA) designation and attended Butte College without earning a degree, and he completed high school at Granada High School. Edington is also engaged in his community, following Merrill's tradition of participation by volunteering with local organizations.

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.

Brendan Noonan is a CFP® with 15 years of industry experience, currently serving as a financial advisor at Raymond James Financial. His career includes over a decade at Sgc Financial and Securian Financial Services, as well as roles at Mass Mutual Investors Services. He operates as an independent contractor with Summit Financial Group based in San Ramon, CA. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual, high-net-worth, institutional, and charitable clients. The firm uses analytical tools for tailored, non-discretionary advice and supports a broad advisor network with specialized offerings including municipal advisory services and SIMPLE IRA employer consulting.

Dharma Westphal is a financial advisor with Primerica Advisors in San Ramon, CA, holding Series 63 and Series 65 licenses and three years of industry experience. Prior to joining Primerica Advisors, Dharma has held various roles within Primerica Financial Services and has experience outside finance including work with The Dance Center and Summerfield Waldorf School and Farm. Outside of advisory work, Dharma is an independent contractor for Twitch Interactive, dedicating several hours monthly. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and a limited number of separately managed account options. The firm uses third-party asset managers and BNY Mellon Advisors for trading and emphasizes a tiered wrap fee structure.

Gerard Soriano Jr. is a financial advisor with UBS Financial Services in Alamo, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with UBS Financial Services since 2013. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor strategies to clients’ goals and risk tolerances.

David Hoang is a financial advisor with J.P. Morgan Securities in Dublin, CA, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. He has been with JPMorgan Chase Bank and J.P. Morgan Securities since 2014. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative screens with qualitative research and may incorporate an ESG eligibility framework.

Jiaying Ma is a financial advisor with Charles Schwab holding a Series 66 designation and two years of industry experience. She previously worked at iBest Learning Center for six years before joining Charles Schwab and Charles Schwab Bank, SSB. 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 blend of non-discretionary advisory relationships and discretionary separately managed accounts, supported by a centralized operational structure and multi-asset investment approaches.