Carolyn Sellick is a financial advisor at Wells Fargo Clearing with 25 years of industry experience. She holds a Series 63 designation and has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2011. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non‑qualified deferred compensation plans, offering both discretionary and non‑discretionary investment advisory services. The firm’s approach 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.

Meghan Miller is a financial advisor with Morgan Stanley in Oakland, CA, holding a Series 66 designation and 20 years of industry experience. She has worked at Morgan Stanley since 2016 and at Morgan Stanley Private Bank, National Association since 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients. The firm offers tailored financial planning through its Financial Advisors and Estate Planning Strategies Group and manages approximately $2.74 trillion in client assets.

Sean Armstrong is a Financial Consultant at Fidelity Investments, a position he has held since 2013. He brings over 30 years of experience in the financial services industry, with a background that includes roles such as Branch Manager at TD Ameritrade and Charles Schwab, Registered Representative at Wellington Securities, and Account Executive at Dean Witter Reynolds. Sean specializes in financial planning and investment management, emphasizing personalized, one-on-one relationships. He works closely with clients to understand their comprehensive financial situations, enabling interactive planning and scenario analysis to develop adaptable financial plans that evolve with clients' goals. He holds a California Insurance License. Outside of his professional work, Sean enjoys biking, cooking and baking, participating in family activities, playing golf, hiking, and scuba diving.

James Schmidt is a Wealth Management Advisor and Senior Vice President at Merrill Lynch Wealth Management. He focuses on developing financial strategies tailored to wealthy individuals and business owners, providing comprehensive advice to help clients pursue their long-term goals through personalized or defined strategies. His areas of expertise include college education planning, executive compensation, services for defined benefit plans, investment consulting for defined contribution plans, legacy and liquidity management, personal retirement planning, portfolio management, individual and corporate investment strategy, and tax minimization. James holds several professional designations including Certified Financial Planner (CFP®), Certified Investment Management Analyst (CIMA®), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned a bachelor's degree from Michigan State University. Outside of his professional role, James is the founder of the "Fore Our Schools" foundation, which raises funds for local schools. His personal interests include boating, fishing, golfing, hunting, and traveling.

Martha Madrid is a Senior Financial Advisor at Merrill Lynch Wealth Management, where she has been serving clients since 1979. With over 40 years in the financial industry, she focuses on providing a comprehensive approach to wealth management that begins with understanding each client's unique financial situation and personal priorities. Martha helps clients develop customized and flexible strategies that can adapt to changing market conditions, leveraging the investment insights of Merrill and the banking services of Bank of America. Her areas of expertise include college education planning, personal retirement planning, and addressing the financial needs of women and wealth. Martha holds the Personal Investment Advisor (PIA) designation and completed her high school education through the State of New Jersey Department of Education. She lives in the Bay Area and balances her professional responsibilities with personal interests such as traveling, cooking, tennis, dancing, sewing, and watching movies. Martha is also committed to community involvement, volunteering with local organizations in line with Merrill's tradition of service.

Magnus Du Borg is a CFP® professional with 17 years of experience in financial advisory roles. He is currently affiliated with RBC Capital Markets and City National Bank, having previously worked at Morgan Stanley and its private banking divisions for over a decade. Outside of his advisory work, he is involved in real estate investment as a passive capital partner in several entities. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers tailored investment strategies through multiple advisory programs, utilizing both in-house and third-party managers and providing a range of portfolio management and financial planning services.

David Williams is a financial advisor with Morgan Stanley in Oakland, CA, holding a Series 66 designation and eight years of industry experience. He has worked at Morgan Stanley and its Private Bank division since 2018 and has prior work experience with Target and Sonoma State University. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individual and institutional clients, including customized financial planning supported by firm-approved tools and modeling techniques.

Nickolas Prieto is a financial advisor at UBS Financial Services with 10 years of industry experience. He holds Series 65 and Series 63 registrations and has worked at UBS since 2019. Prior to that, he was with Osborne Partners Capital Management and Brouwer & Janachowski. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering a range of products supported by proprietary research and a broad service platform.

Justin Allen is a financial advisor with Charles Schwab in Oakland, CA, holding a Series 66 designation and four years of industry experience. He has worked at Charles Schwab & Co., Inc. and Charles Schwab Bank, SSB since 2022. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary investment management and financial planning services. The firm is notable for its scale and integrated structure, combining brokerage, custody, and advisory services with access to alternative investments and multi-asset model portfolios.

Stuart Reilly is a financial advisor with RBC Capital Markets, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. His prior roles include positions at City National Bank, Bank of America, and Merrill Lynch. He serves as Vice Commodore and is a board member of the San Francisco Yacht Club, a sailing club nonprofit. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm provides various advisory programs with customizable portfolio management, financial planning, and brokerage services, leveraging both in-house and third-party investment resources.

Michael Mohaghegh is a financial advisor with Wells Fargo Clearing in San Francisco, holding Series 63 and Series 65 designations and bringing 33 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2011 to 2016. Outside of his advisory role, he volunteers with the Foundation for Financial Planning, assisting individuals in financial hardship by explaining financial aid and unemployment benefits. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

James Lippitt is a financial advisor at Morgan Stanley with 21 years of industry experience. He has held roles at Morgan Stanley since 2009 and at Morgan Stanley Private Bank, National Association since 2015. He holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving individuals and institutional clients. The firm provides a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques, managing approximately $2.74 trillion in client assets.

Jacquelyn Hernandez is a financial advisor at Merrill with 19 years of industry experience. She holds the Series 66 designation and has previously worked at Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wells Fargo Bank, N.A. Hernandez serves as a board member for Benicia Youth Football, a community youth sports organization. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of individual and institutional clients.

Rachel Klase is a Planning Consultant at the Larkspur Investor Center, where she collaborates with Financial Consultants to assist clients in progressing toward their financial goals and utilizing Fidelity's platform effectively. She focuses on creating tailored experiences by thoroughly understanding each client's financial situation through detailed data gathering and personalized discussions. Rachel has been with Fidelity Investments since 2017, starting as a Relationship Manager before transitioning to her current role in 2020. She holds a California Insurance License, supporting her work in financial planning and client service.

Darius Bahador is a Financial Advisor at Merrill Lynch Wealth Management. In his role, he works closely with clients to understand their personal financial goals and develops tailored strategies to address their short-, mid-, and long-term objectives. His responsibilities include providing guidance on general investing, retirement planning, and preparing for unexpected financial needs. He also facilitates access to specialists from Bank of America for services related to banking, credit, home financing, and small business solutions. Darius holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. He earned a Bachelor's Degree from McMaster University. His approach emphasizes getting to know clients and understanding what matters most to them, which informs his ongoing advice and guidance as their needs evolve.

Ian Longtin is a financial advisor at Ameriprise with eight years of industry experience. He holds a Series 66 designation and has been with Ameriprise since 2017, including a prior role at Ameriprise Financial Services, Inc. Outside of his advisory work, Ian serves on the Board of Directors for Berean Christian High School and engages in public speaking and consulting for local groups, churches, and schools. Ameriprise provides retirement-income planning services targeted at individuals approaching or in retirement, with a focus on clients who meet specific asset thresholds. The firm offers a range of advisory, brokerage, and insurance solutions, utilizing a centralized retirement-income consulting team that employs both research and algorithmic tools to produce tailored, non-discretionary recommendations.

Darren Riley is a financial advisor at Morgan Stanley with nine years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Smith Barney LLC since 2013, with a brief period at Merrill from 2021 to 2022. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs including tailored financial planning supported by firm-approved tools and methodology. The firm manages approximately $2.74 trillion in client assets and offers services through both direct and corporate financial planning arrangements.

James Babson is a CFA® charterholder with 28 years of industry experience. He is currently with Charles Schwab, where he has worked since 2021. Prior to Schwab, he was employed at Aberdeen Asset Management Inc. and Aberdeen Fund Distributors, LLC from 2016 to 2020. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory models with access to affiliated discretionary separately managed accounts and offers a range of integrated brokerage, custody, and cash-sweep services.

David Traverso is a financial advisor with Morgan Stanley in Oakland, CA, holding a Series 63 designation and bringing 58 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and the Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

William Caddick Jr. is a financial advisor at Ameriprise with 20 years of industry experience. He holds a Series 66 designation and has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he has an investment-related interest in single-family real estate ownership. Ameriprise offers a retirement-income planning service tailored for individuals approaching or in retirement who meet specific asset criteria, providing detailed Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis, with a centralized consulting team supporting advisors in delivering customized, algorithm-assisted retirement income recommendations.