Mark Hersman is a financial advisor with Charles Schwab in Oakland, CA, holding Series 66 and Series 63 credentials and 36 years of industry experience. He has worked with Charles Schwab since 1994, including roles at Charles Schwab Bank, SSB, and has been involved with Growth Capital Services, Inc., Mazakali LLC, and Portman Enterprises LLC throughout his career. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary and discretionary investment management with multi-asset model portfolios and access to alternative investments. The firm’s large scale and integrated structure provide centralized supervisory, custody, and order-routing services to a broad client base.

William Fraser is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 66 licenses and bringing 41 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management offers advisory programs to individuals and institutional clients, with financial planning services supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and provides a range of investment solutions alongside advisory and brokerage services.

Elizabeth Roberts is a financial advisor at Morgan Stanley with 48 years of industry experience. She holds Series 63 and Series 66 designations and has worked previously at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of her advisory role, she serves as executor and co-trustee for her mother’s estate. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients, including 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 incorporating firm-approved tools and market analyses.

Kenny Heller is a Financial Advisor with Merrill Lynch Wealth Management. He provides financial guidance tailored to clients' goals, priorities, and concerns, focusing on strategies for investing, retirement planning, liquidity needs, and managing unexpected events. Kenny connects clients with Bank of America specialists for services such as banking, credit, home financing, and small business solutions, adjusting strategies as clients' circumstances evolve. His areas of expertise include equity compensation services, LGBT wealth planning, liquidity management, personal retirement planning, portfolio management services, tax minimization, and retirement income. Kenny holds a Personal Investment Advisor (PIA) designation and earned a Bachelor of Science degree in Justice Studies from San Jose State University. Outside of his professional work, Kenny enjoys adventure sports, biking, boating, fishing, gardening, hiking, photography, reading, skiing, and traveling.

Yvan Fung is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has over 12 years of experience in finance, including wealth management, loans, and real estate. Yvan works with a range of clients including individuals, families, small businesses, and large corporations, focusing on identifying and defining their financial goals and objectives to create customized wealth management strategies. He holds the Personal Investment Advisor (PIA) designation and earned his bachelor's degree from the University of California, Berkeley. Yvan emphasizes an interactive relationship with his clients to help them prioritize and pursue the financial goals that matter most to them. Outside of his professional work, Yvan is involved with community nonprofit organizations and regularly participates in youth programs in the Bay Area. He is connected with groups such as the Asian Youth Service committee, Cal Martial Art Program, and Wa Sung Community Service. Additionally, he contributes to martial arts events nationwide by managing and judging tournaments.

Tracy Murphy is the Regional Managing Director for the Pacific Northwest Region of Merrill Private Wealth Management, headquartered in San Francisco. In this role, she oversees the activities of more than 35 private wealth teams across thirteen cities. She focuses on optimizing the client experience by leading initiatives that address the complexities associated with significant wealth. Tracy fosters a collaborative and consultative culture that centers on the needs of ultra-high-net-worth clients, connecting individuals, couples, and families with advice and services that support their financial goals and legacies. She is also responsible for attracting and developing top advisory talent within her region, promoting an environment that values growth, creativity, and dedication. Tracy joined Merrill in 2000 and has progressively taken on increasing leadership roles. Her previous positions include Managing Director of the Venture Services Group, which provides operational support, transactional services, and strategic advice to company founders, venture capitalists, and private equity partners. She has also overseen the Wealth Management divisions in Northern California’s East Bay, as well as markets in Oregon and Southern California. Tracy earned her undergraduate degree from the University of Southern California. In addition to her professional responsibilities, Tracy is active in community organizations and is a member of Battery Powered, a group focused on supporting people and projects that strengthen society. Within Merrill, she serves on the Market Executive Strategy Council and has previously served on the Diversity and Inclusion Council. Tracy resides in Mill Valley, California, with her husband, Greg, and their two daughters.

Douglas Kaminski is a financial advisor with Charles Schwab in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has worked with Charles Schwab and its affiliates since 2005. Outside of his advisory role, he is involved in property management as a landlord. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering comprehensive wealth advisory, brokerage, custody, and financial planning services through its integrated wrap fee programs. Schwab provides both non-discretionary and discretionary investment options, utilizing multi-asset model portfolios and research-based due diligence to support client investment decisions.

Anagha Madrigal is a financial advisor with LPL Financial in San Rafael, CA, holding Series 65 and Series 66 licenses and having 21 years of industry experience. Her prior experience includes roles at Fidelity and UBS Financial Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by extensive technology and a large network of investment adviser representatives.

Dareal Harmon is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and seven years of industry experience. His prior roles include positions at LPL Financial, BMO, J.P. Morgan, and First Republic, among others. Outside of finance, he is a business owner of several brands and works as a caregiver through in-home supportive services. Wells Fargo Clearing provides retirement plan consulting for qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Patrick Mc Ginty is a financial advisor at Morgan Stanley with a Series 66 credential and three years of industry experience. He has worked at Morgan Stanley since 2023, including a role at Morgan Stanley Private Bank, N.A. since 2025. His prior experience includes positions at First Republic Securities Company, LLC and First Republic Investment Management, Inc. Morgan Stanley Wealth Management serves both individual and institutional clients by offering a range of advisory programs and tailored financial planning. The firm employs a structured planning process utilizing firm-approved tools and models to assist clients in managing approximately $2.74 trillion in assets.

Benjamin Lam is a financial advisor at UBS Financial Services with 43 years of industry experience. He holds Series 63 and Series 65 credentials and has been with UBS since 2016. Lam jointly owns several rental properties with his spouse, though he does not participate in their management. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary asset allocation models and research to tailor plans to clients’ goals. The firm integrates institutional trading capabilities with wealth management and provides a broad range of financial services including fee-based planning, portfolio management, and capital markets support.

Andrey Movsesyan is a Wealth Management Advisor at Merrill Lynch Wealth Management. He brings 20 years of experience in financial services, having started his career at Citibank in 2005 and subsequently working at Wells Fargo Private Bank, Abbot Downing (formerly Wells Fargo Family Wealth), First Republic Bank, Prudential Financial, and BBVA Global Wealth. Throughout his career, he has assisted teams in managing investments for institutional and individual clients with assets ranging from $1 million to $1 billion. Andrey holds a Bachelor's degree in Economics and an MBA from San Francisco State University. He has earned several professional designations, including Chartered Financial Analyst (CFA), CERTIFIED FINANCIAL PLANNER (CFP), Chartered Market Technician (CMT), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). His expertise includes education planning, family wealth management strategies, liquidity management, retirement income planning, and tax minimization. Residing in Danville, California, Andrey enjoys spending time with his wife, Anastasiia, and their two children, Katerina and Viktor. The family often spends time outdoors, particularly at their cabin in Groveland, near Yosemite National Park. He is actively involved in his community and serves as a board member for the Epilepsy Foundation of Northern California.

Evan Bernardy is a financial advisor at LPL Financial with seven years of industry experience. He holds the Series 66 designation and previously worked at Bank of America and Merrill. Outside of his advisory role, he is also active as an artist and musician. 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 investment management services, utilizing both in-house and third-party strategies across various investment approaches.

Qui Hua is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. She has been with J.P. Morgan Securities since 2012. 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 combination of advisory and brokerage capabilities.

Scott Poland is a financial advisor with Wells Fargo Clearing in El Cerrito, CA, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. He has worked with Wells Fargo Advisors LLC and Wells Fargo Clearing since 2011. Outside of his advisory role, he is involved in managing a rental property in Richmond, CA. 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 advisory process 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.

Ron Freund is a financial advisor with LPL Financial, holding a Series 63 license and over 42 years of industry experience. His career includes long tenures at The Social Equity Group, Inc., Financial West Group, and Western International Securities, Inc. He also provides research services to The Social Equity Group, an independent investment advisor firm. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a wide range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by extensive operational and research tools.

Vener Lansang is a financial advisor at Ameriprise with nine years of industry experience. He holds a Series 66 designation and has been with Ameriprise since 2014, including its predecessor firm. Ameriprise is a large institutional firm that offers a retirement-income planning service focused on clients approaching or in retirement with significant investable assets. The firm provides a range of advisory, brokerage, and insurance solutions, combining research, modeling, and tax-efficient strategies to deliver personalized, non-discretionary recommendations.

Michael Rossi is a financial advisor with Raymond James Financial Services Advisors, Inc. in San Francisco, CA, holding a Series 66 designation with 11 years of industry experience. He also serves as Chief Operating Officer at Elevon Wealth Management, a role he has held alongside his advisory activities. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, and institutions. The firm utilizes tailored, non-discretionary planning and analytical tools to support client goals and offers specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Bryan Matheney is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has been with J.P. Morgan Securities since 2012. Outside of his advisory role, he has limited involvement in a real estate investment LLC formed to purchase property in Star, Idaho. J.P. Morgan Securities 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 delivers recommendations on a non-discretionary basis and integrates institutional advisory capabilities with affiliated brokerage and investment management services.

James Collini is a financial advisor with Stifel in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Stifel Nicolaus & Co. Inc. since 2008. Outside of his advisory role, Collini serves as a board member for Friends of Camp Concord, a nonprofit that raises funds to send underprivileged children to summer camp, and is president of the Charles Reid Foundation, which organizes an annual Christmas event for poor children. Stifel provides brokerage and investment advisory services to a diverse client base including individuals, institutional clients, and charitable organizations. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to offer asset allocation and planning analyses, with clients retaining discretion over implementation.