James Gilmore is a financial advisor at Ameriprise with nine years of industry experience. His prior roles include positions at Janus Henderson Distributors US LLC, Janus Henderson Investors US LLC, Janus Distributors LLC, and Janus Management Holdings Corp. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement-income planning, providing written recommendation reports and ongoing advice based on investment research, algorithmic tools, and third-party data.

Pema Tenzin is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. Pema has been with Wells Fargo Clearing since 2016 and previously worked with Wells Fargo Advisors LLC and Wells Fargo Bank, N.A. No additional outside activities are noted. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Cynthia Morris is a financial advisor at Merrill with 17 years of industry experience. She holds the Series 65 and Series 63 licenses. Prior to joining Merrill and Bank of America in 2026, she worked at Litman Gregory Wealth Management, Sensiba San Filippo Financial Advisers, and Rand & Associates. Merrill, along 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 individuals, high-net-worth clients, and institutional investors.

Egan Brown is a financial advisor with Morgan Stanley in Oakland, CA, holding a Series 66 credential and eight years of industry experience. He has worked with Morgan Stanley and its affiliated entities since 2017, following a year at H&R Block. Outside of advisory work, he is involved in managing real estate investment and property management activities in Oakland and San Antonio. Morgan Stanley Wealth Management provides a broad range of advisory and financial planning services to individual and institutional clients, utilizing structured planning tools and a variety of investment programs.

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 since 1986. Outside of her advisory work, she is the owner of Floodwater Tavern, a sports bar in San Francisco. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, consulting, access to model wealth portfolios, third-party asset management, and a range of brokerage and insurance products through an integrated platform.

Madeline Jay is a financial advisor at Cetera with 41 years of industry experience. She holds the ChFC® designation and Series 63 and 65 licenses. Her prior work includes seven years at VOYA Financial Advisors and over five years at Cetera Wealth Services before joining Cetera. In addition to advising, she operates as an independent insurance agent. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management, financial planning, and retirement plan services, with access to multiple program platforms and third-party money managers.

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 Series 66-licensed financial advisor with 11 years of industry experience, currently with J.P. Morgan Securities since 2022. He previously worked at Bank of America N.A. and Merrill for ten 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 through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

John Macchi is a financial advisor with Morgan Stanley in Oakland, CA, holding a Series 63 designation and bringing 39 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, and previously at Citigroup Global Markets since 1993. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and scenarios developed by its Global Investment Committee to support its advisory process.

Stephanie Olson is a financial advisor at Cambridge Investment Research Advisors with 13 years of industry experience. She holds the Series 66 designation and previously worked at Morgan Stanley and Morgan Stanley Private Bank. Her professional activities include advisory roles connected to Green River Financial Services and Cambridge Investment Research. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension and profit-sharing plans, charitable organizations, trusts, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals with a range of portfolio management options and institutional features.

Mitchell Flores is a financial advisor with Fidelity, holding a Series 66 designation and beginning his industry career in 2025. Prior to joining Fidelity, his experience includes various roles outside the financial industry and academic positions at California State University Chico. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to both retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage a range of investment products including mutual funds, ETFs, and fund-of-funds.

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.

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 Series 66-licensed financial advisor with 11 years of industry experience. He is currently with Cambridge Investment Research Advisors and previously worked at Irving Fisher Private Wealth Management, Commonwealth Financial Network, LPL Financial, and Edward Jones. Outside of advising, he is also an independent insurance agent. Cambridge Investment Research Advisors serves a broad mix of clients, including individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, providing tailored strategies via multiple custody platforms and proprietary as well as third-party model-based solutions.

Alexandria Costello is a Series 66 credentialed financial advisor with Edward Jones in San Rafael, CA. She has held roles in environmental and consulting firms including RPS Group and BDO USA, with experience spanning various industries since 2014. Edward Jones is a full-service wealth management firm serving individual and institutional clients across the United States. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, and operates under a fiduciary standard.

Jeffrey Ranke is a financial advisor with LPL Financial in San Anselmo, CA, holding Series 63, 65, and 66 registrations and 23 years of industry experience. He has been with LPL Financial since 2007. Outside of his advisory work, he operates an online shoe sales business as part of a family enterprise. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides a range of advisory programs, financial planning, retirement consulting, and brokerage services, utilizing model portfolios, third-party research, and technology-driven approaches across its national network of investment adviser representatives.

Rodney Williams is a financial advisor at Morgan Stanley with 29 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Merrill, Bank of America, and Morgan Stanley Smith Barney prior to his current role. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and financial planning services supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides customized planning primarily through its Financial Advisors and Estate Planning Strategies Group.

Abby Honerkamp is a Series 66-registered financial advisor with Charles Schwab in Berkeley, California, and has 17 years of industry experience. She has been with Charles Schwab since 2012. 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 discretionary separately managed accounts and offers multi-asset model portfolios supported by research from the Schwab Center for Financial Research.