James Sheffield is a CFP® credentialed financial advisor with 28 years of experience at UBS Financial Services in San Francisco, where he has worked since 1998. He holds Series 63 and Series 65 licenses. UBS Financial Services provides brokerage and investment advisory services to individual, corporate, and institutional clients, offering financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management and delivers advisory services supported by proprietary research and model-based asset allocations.

Peter Dellarocca is a financial advisor at Charles Schwab in San Francisco, CA, holding Series 63 and Series 66 credentials with 32 years of industry experience. He has been with Charles Schwab since 2003 and also has experience at 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’s model combines non-discretionary advisory recommendations with access to discretionary separately managed accounts, supported by multi-asset model portfolios and alternative investment options.

John Coleman is a financial advisor at Morgan Stanley with 41 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Morgan Stanley Smith Barney LLC since 2009, including a role at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients by offering a wide range of advisory programs and tailored financial planning, utilizing firm-approved tools and strategies to support clients’ financial goals.

Lance Friesz serves as a Vice President and Wealth Planner at Fidelity Investments since 2022. He approaches client relationships with an education-based philosophy, aiming to empower clients to make informed financial decisions for themselves and their families. Lance focuses on developing customized wealth strategies designed to provide benefits both currently and for future generations. He has been with Fidelity Investments since 2012, holding various roles including Financial Representative, Investment Consultant, Financial Consultant, and currently as Vice President, Wealth Planner. Lance holds a California Insurance License. Outside of his professional work, Lance enjoys camping, family activities, fitness, gardening, photography, and soccer.

Michelle Liu is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. She holds a Series 66 designation and has worked at J.P. Morgan Chase Bank and Charles Schwab. 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 team of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis.

Brett Jennings is a financial advisor at Ameriprise in San Francisco, holding a Series 66 designation with three years of industry experience. His prior roles include positions at Modern Woodmen of America and the University of California, Santa Barbara. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored Recommendation Reports. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Kelly Cunningham is a financial advisor with Edward Jones in South San Francisco, CA, holding the CFP® designation along with Series 63 and Series 66 licenses. She has 24 years of industry experience and has been with Edward Jones since 2001. Outside of her advisory role, she is a general partner in the Cypress Investment Partnership, which involves occasional assistance with real estate transactions. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a wide range of advisory and investment solutions, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a large nationwide network of financial advisors and branch offices.

Sharon Gutierrez is a CFA® charterholder with 17 years of industry experience. She has worked at Fisher Investments since 2016. Fisher Investments serves a global mix of institutional and private clients, including pension plans, foundations, and high-net-worth individuals, offering discretionary portfolio management across equity, fixed-income, and blended mandates. The firm uses a centralized investment process combining quantitative and qualitative research to construct globally diversified portfolios and employs tax-aware strategies and risk management techniques.

Henry Do is a financial advisor with Mass Mutual Investors Services in San Francisco, CA, holding Series 63 and Series 65 credentials and bringing 25 years of industry experience. His career includes 14 years at MetLife Securities, Inc. prior to joining Mass Mutual in 2016. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, employing firm-approved tools to deliver written recommendations tailored to client goals.

Thanh Nguyen is a Series 66 licensed financial advisor with 15 years of industry experience. He has worked at J.P. Morgan Securities LLC since 2015, serving in his current role since 2017. 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. As a subsidiary of J.P. Morgan, the firm combines large institutional advisory operations with brokerage and investment management capabilities.

James Knipple is a financial advisor with Edward Jones in Redwood City, CA, holding a Series 66 credential and seven years of industry experience. He has worked at Edward Jones since 2018 and previously held various roles connected to theater and education. He serves as a trustee on the Finance Committee for TheatreWorks Silicon Valley in an advisory capacity. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates under a fiduciary standard.

Dan Roasa is a financial advisor with Charles Schwab in San Mateo, CA, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. His prior work includes roles at Fidelity Personal and Workplace Advisors and Fidelity Investments. Charles Schwab & Co., Inc. serves 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 guidance with access to affiliated discretionary separately managed accounts, utilizing multi-asset model portfolios and a formal alternative-investment selection process.

Tricia Kramer is a financial advisor at UBS Financial Services with 33 years of industry experience. She holds the Series 63 and Series 66 designations and has been with UBS since 2014. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering proprietary research and affiliated banking services.

Sue Wong is a CFP® professional with 25 years of industry experience, currently serving at OSAIC since 2024. She has prior experience with Woodbury Financial Services, Inc. and Questar Asset Management. Outside of her advisory work, she is involved with Shannan Walter Wealth Advisors, LLC, where she integrates insurance products into holistic financial planning. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable organizations through a large network of advisers and multiple advisory platforms. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and third-party solutions to manage portfolios across various asset classes.

Kevin Brereton is a financial advisor at J.P. Morgan Securities in San Francisco, CA, holding Series 63 and Series 66 licenses with 14 years of industry experience. His career includes roles at J.P. Morgan Securities since 2012 and JPMorgan Chase Bank, N.A. since 2011, as well as one year at Turo Inc. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

David Fung is a financial advisor at LPL Financial in San Mateo, CA, holding a Series 66 designation with three years of industry experience. Prior to joining LPL Financial in 2025, he worked at NEXT Financial Group, Inc. and held engineering roles at Applied Materials and Lam Research. Fung is also employed as an engineer at TSMC outside of his advisory work. 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 investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by research from internal and third-party sources.

Cory Evans is the Vice President and Financial Consultant at Fidelity Investments. In this role, he collaborates with clients to develop customized plans aimed at achieving their financial planning and investment planning goals. His primary focus is on working with clients who are in or approaching retirement to help them work toward successful outcomes. Cory has extensive experience in the financial services industry, having held several positions at Fidelity Investments since 2015, including Financial Consultant, Investment Consultant, and Financial Representative. Prior to joining Fidelity, he worked as an Associate Advisor at NewFocus Financial Group and as an Associate Financial Advisor at YellowBrickRoad Financial Advisors. He holds a California Insurance License. Outside of his professional work, Cory enjoys family activities, food, hiking, parenthood, and traveling.

Claire Benoit is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. She holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2012, concurrently working at JPMorgan Chase Bank, N.A. since 2014. 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. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis while clients retain final decision authority.

Juan Arroyave is a Financial Consultant at Fidelity Investments, where he has been serving since 2021. Prior to this role, he worked as an Investment Consultant at Fidelity Investments from 2020 to 2021. His earlier experience includes positions as a Financial Advisor at Edward Jones between 2018 and 2020, as well as roles at AMS Capital Management LLC from 2016 to 2018, where he worked as a Trading Assistant and Sales Associate. Juan collaborates closely with clients to provide personalized financial guidance, co-developing tailored plans and tax-efficient strategies aligned with their unique goals. He supports clients and their families through evolving life circumstances, maintaining an ongoing partnership to help them stay on track. He holds a California Insurance License. Outside of his professional work, Juan's interests include biking, cooking and baking, snowboarding, and soccer.

Meng Hok is a financial advisor with J.P. Morgan Securities in Redwood City, CA, holding Series 63 and Series 66 credentials and nine years of industry experience. He has been with JPMorgan Chase Bank and JP Morgan Securities LLC since 2017. Outside of his financial advisory role, Meng works as part of the production team for Sabaidee Fest, an annual Southeast Asian music and cultural festival in the United States. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its investment approach.