Jaime Bardina is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. Prior to his career in finance, he worked at the Milpitas Police Department for three years. He has been with Merrill Lynch, Pierce, Fenner & Smith Inc. and Bank of America, N.A. since 2019. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services for Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Philip Choi is a financial advisor at Charles Schwab with 28 years of industry experience. He has been with Charles Schwab since 1997 and has also worked at Charles Schwab Bank SSB since 2005, while operating as self-employed since 2011. Choi holds Series 63 and Series 66 licenses. Outside of his advisory role, he serves on the board of directors for the Kong Chow Benevolent Association and is a member of the Board of Trustees for San Francisco Chinese Hospital, both nonprofit organizations serving the San Francisco community. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary advisory services and access to discretionary separately managed accounts, supported by a large integrated infrastructure and centralized operational model.

Philippa Zuckerman is a financial advisor at Charles Schwab with 24 years of industry experience. She holds Series 63 and Series 66 designations and has been with Charles Schwab since 2000. Outside of her advisory role, she serves on the finance committee of a nonprofit charitable organization and holds management roles in agricultural and forestry ventures. Charles Schwab serves a large client base primarily consisting of 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 utilizes multi-asset model portfolios supported by research from its Center for Financial Research.

Kosta Stathopoulos is currently Vice President and Branch Leader at Fidelity Investments, a role he has held since 2025. His leadership approach focuses on disciplined strategy combined with personalized client support, emphasizing active listening and transparent communication to help clients make informed decisions with confidence. Prior to his current position, Kosta held several roles in the financial services industry, including Institutional Consultant Relations & Business Development at Brown Advisory from 2021 to 2025, Vice President of Institutional Sales at Aristotle Capital Management from 2018 to 2021, Director of Wealth Management at TIAA between 2016 and 2018, Director of Client Services and Lead Advisor at Brighton Jones from 2013 to 2016, and Client Services Group Manager at Fisher Investments from 2005 to 2013. He holds a California Insurance License. Outside of his professional career, Kosta enjoys activities such as spending time at the beach, cars, family activities, fitness, reading, and traveling.

Polly Richardson is a financial advisor at Ameriprise in San Francisco, CA, holding a Series 66 designation with 19 years of industry experience. Her prior roles include positions at RBC Capital Markets Corporation and RBC Capital Markets LLC, as well as a brief tenure at Stableford Capital LLC. Ameriprise offers a retirement-income planning service targeted at individuals with significant investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in a centralized consulting approach, with an emphasis on assets held in Ameriprise Managed Accounts and the use of algorithmic automation to generate tailored retirement income recommendations.

John Yeager is a financial advisor at UBS Financial Services with 22 years of industry experience. He has been with UBS since 2006 and holds Series 63 and Series 65 designations. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management, offering a broad range of services supported by proprietary research and capital market insights.

Robert Mclalan Jr. is a financial advisor with Morgan Stanley in San Mateo, CA, holding Series 63 and Series 65 licenses and 45 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and also with Morgan Stanley Smith Barney since 2011. Morgan Stanley Wealth Management provides a broad range of advisory programs to individual and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

Christoph Menzl is a financial advisor with Edward Jones in Burlingame, CA, holding a Series 66 designation and four years of industry experience. Before joining Edward Jones in 2021, he worked for Abbott Laboratories from 2007 to 2021. He serves on the advisory board of the nonprofit Phase2Careers and is a director on the board of PetroplastVinora AG. Edward Jones is a full-service wealth management firm that serves both individual and institutional clients, offering a broad range of advisory programs and affiliated investment products. The firm manages approximately $1.01 trillion in assets through a large network of financial advisors and branch offices nationwide.

Victoria Chu is a Series 66-licensed financial advisor with UBS Financial Services in San Francisco, CA, and has 24 years of industry experience. She has been with UBS since 2007. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, combining wealth management with institutional trading capabilities. The firm employs proprietary research and model-based asset allocations to tailor investment plans aligned with clients' goals and risk tolerances.

Erin Sinclair is a Certified Financial Planner™ (CFP®) based in San Mateo, CA, affiliated with Edward Jones. She has 27 years of industry experience, including 12 years with Edward Jones. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a broad range of advisory programs and investment options, operating under a fiduciary standard while maintaining a large retail advisor and branch network.

Ronald Bland is a financial advisor with OSAIC based in San Mateo, CA, holding Series 63 and Series 66 licenses and bringing 41 years of industry experience. He has worked at Royal Alliance Associates since 2018 and previously at Signator Investors. Bland is also involved in insurance brokerage and serves as president of AEIS Inc., focusing on life and health insurance and employee benefits, and is a 50% owner and principal of Allied Brokers Inc., a property and casualty insurance agency. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporations, offering a range of brokerage and advisory services with an investment process centered on model-based asset allocation and portfolio optimization. The firm is notable for its scale, multi-advisor platform, and complex affiliate network spanning broker-dealer, asset management, insurance, and trust services.

Misty Farukh is a CFP® professional with 18 years of experience in the financial industry. She has worked at Raymond James & Associates since 2012 and previously held positions at Morgan Stanley and Citigroup Global Markets. Based in San Francisco, CA, she holds the Series 66 license. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients, including individuals, institutional investors, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary services through a variety of portfolio management styles and affiliated resources.

Chau Huynh is a financial advisor at Merrill in San Mateo, CA, with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Merrill Lynch since 2000. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Nikola Vukadinovic is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds the Series 66 designation and has previously worked at Bank of America and Merrill. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program that focuses on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and includes capabilities in derivatives and commodities.

Abraham Alesna is a financial advisor at Merrill with a Series 66 license and less than one year of industry experience. His prior roles include positions at Bank of America, Monterra Credit Union, and 24 Hour Fitness. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

David Lanshe is a financial advisor at J.P. Morgan Securities in San Francisco, CA, holding Series 63 and Series 65 credentials with 40 years of industry experience. His career includes roles at Merrill, Banc Of America Investment Services, Wells Fargo Clearing, UBS Financial Services, Truist Securities, and Deutsche Bank Securities. 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 searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research, with an emphasis on model asset allocations and a framework that may include ESG eligibility.

Shishun Kryskalla is a financial advisor at Ameriprise in San Mateo, CA, holding Series 65 and Series 63 licenses with five years of industry experience. His prior roles include positions at The Blakeley Group, Morgan Stanley, UBS Financial Services, Mercer Global Advisors Inc., and Dragon Financial Group. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendations and ongoing retirement-income planning advice focused on dependable income and tax-aware withdrawal strategies.

Michael Chua is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds the Series 63 and Series 66 designations and has worked within various J.P. Morgan entities since 2014. Based in San Francisco, he has focused on serving institutional clients through advisory roles at the firm. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their program emphasizes written asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative analysis.

Bassel Mansour is a financial advisor at Osaic with 10 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Royal Alliance Associates, Inc. since 2018. Mansour is also the owner of Golden Gate Financial & Insurance Solutions, a financial advising firm offering fixed insurance products. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporations, providing brokerage and advisory services through a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization and supports various investment strategies, including discretionary Unified Managed Accounts and third-party money manager programs.

Keith Virnoche is a Wealth Management Advisor and Senior Vice President at Merrill Lynch Wealth Management. He joined Merrill Lynch Wealth Management in 1984 and serves as a qualified Portfolio Manager. In his role, he provides traditional financial advice and guidance, while also building and managing personalized investment strategies that may include individual stocks and bonds, Merrill Lynch model portfolios, and third-party investment strategies. As a Portfolio Manager within the firm's Investment Advisory Program, he may manage strategies on a discretionary basis. Keith earned a Bachelor's degree from the University of Wisconsin, an MBA from the University of Evansville, Indiana, and a Master of Science in Financial Planning from Golden Gate University in San Francisco. He holds the CERTIFIED FINANCIAL PLANNER® (CFP®) and Chartered Retirement Planning Counselor™ (CRPC™) designations, maintaining both since 2004. He is a member of The Peninsula Golf and Country Club in San Mateo, California, and participates in community activities with Mills - Peninsula Health Services in Burlingame, California.