Ronald Patrick Lynch is a CFP® professional with eight years of industry experience, currently advising clients at Morgan Stanley in Burlingame, CA. His prior experience includes roles at UBS Financial Services and Fidelity Brokerage Services. Morgan Stanley Wealth Management offers a range of advisory programs to both individuals and institutions, emphasizing structured financial planning supported by firm-approved tools and comprehensive asset management.

Julian Burke is a financial advisor at Fisher Investments with four years of industry experience. He holds a Series 65 designation and has worked at Fisher Investments since 2018. Prior to that, he was affiliated with the California Institute of Integral Studies for four years. Fisher Investments serves a global mix of institutional and private clients, offering discretionary portfolio management across equity, fixed-income, and blended mandates. The firm’s investment decisions are centralized with a committee that combines quantitative and qualitative research to construct globally diversified portfolios, employing tax-aware strategies and various risk management techniques.

Rosalinda Tran is a financial advisor at Charles Schwab with 14 years of industry experience. She holds the Series 66 and Series 63 designations and has been with Charles Schwab and Charles Schwab Bank since 2014 and 2015, respectively. Tran serves on the board of The Women’s Building, a nonprofit organization focused on supporting a diverse and progressive community of women in San Francisco. 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 and uses multi-asset model portfolios supported by centralized operational and supervisory infrastructure.

Emmanuel Huereca is a financial advisor at Ameriprise with 20 years of industry experience. He holds a Series 66 designation and has worked at Ameriprise and its affiliated entities since 2003, with a brief tenure at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Ameriprise provides retirement-income planning services targeted at individuals approaching or in retirement who meet specific eligibility criteria, combining research and modeling with tax-efficient strategies. The firm serves a broad client base through advisory, brokerage, and insurance solutions offered by its affiliated companies.

Nickalus Ketcham is a CFP® with 25 years of industry experience, currently an advisor at LPL Financial. His prior experience includes roles at Western International Securities, Inc. and Financial West Group. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing discretionary and non-discretionary management alongside model portfolios and research.

Lydia Ormsby is a financial advisor with Raymond James Financial in San Francisco, holding a Series 66 designation and four years of industry experience. Prior to joining Raymond James, she worked at Owens Estate and Wealth Strategies Group and Owens Capital Asset Management. Outside of her primary role, she has held positions involving operations management and compliance oversight at related financial service companies. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse client base, including individual, high-net-worth, corporate, and institutional clients. The firm emphasizes tailored, non-discretionary planning using analytical tools and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Audrey Chin is a financial advisor with Fidelity in San Francisco, CA, holding Series 63 and Series 65 licenses and five years of industry experience. Her career includes roles at Fidelity Investments and J.P. Morgan Chase. Outside of finance, she has worked with companies such as Milk In It and Sambazon. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs.

Sherwin Lau is a financial advisor at Morgan Stanley in San Mateo, CA, holding a Series 66 license with 17 years of industry experience. He has worked at Morgan Stanley and its Private Bank since 2011. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutions with a wide range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing approved tools and modeling techniques.

Zachary Ginsburg is a CFP®-certified financial advisor with 21 years of industry experience, currently with J.P. Morgan Securities in Alameda, CA. He has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2012. He also has prior experience working at Turo. 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. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering non-discretionary investment recommendations supported by a centralized due diligence framework.

Cristina Triantos is a financial advisor with Wells Fargo Clearing in San Mateo, CA, holding a Series 66 designation and 18 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC and Wells Fargo Bank, N.A. Outside of her advisory role, she engages in selling personal clothing items on Poshmark. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

John Petrick is a financial advisor at UBS Financial Services with 45 years of industry experience. He holds Series 63 and Series 65 designations and has been with UBS since 1998. Petrick also serves as trustee for the Florence E Hardwick Trust. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services.

Peter Evans is a financial advisor with LPL Financial in San Mateo, CA, holding the ChFC® designation and Series 63 license. He has 40 years of industry experience, previously working for Securian Financial Services, Minnesota Life, and Link Allen and Associates. Outside of his advisory work, he has been involved with the City of Palo Alto Parks & Recreation Department. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a broad range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios, third-party subadvisors, and technology-driven approaches.

Mikael Lee is a financial advisor with Mass Mutual Investors Services with 21 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Mass Mutual Investors Services since 2017, with prior experience at MetLife Securities Inc. Lee is also the owner of a boba tea shop, Lee's Teahouse Inc. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative planning engagements using firm-approved analytical tools and serves a range of client types, including high-net-worth individuals.

Fochson Fung is a financial advisor with Cambridge Investment Research Advisors, holding the ChFC® designation and Series 63 and 66 licenses, with 19 years of industry experience. Fung has been with Cambridge Investment Research Advisors since 2011. Outside of advisory work, Fung is an independent insurance agent and is involved in sales and marketing activities for a non-investment business. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory through a network of independent Financial Professionals, providing tailored strategies across multiple platforms with both proprietary and third-party model options.

Cecilia Montoya is a Series 63 credentialed financial advisor with 32 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a variety of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Garrett Vitangeli is an Investment Consultant currently working at Fidelity Investments since 2024. Prior to this role, he was a Financial Consultant at Equitable Advisors from 2022 to 2024. He holds a California Insurance License. Garrett focuses on helping individuals and families plan for various financial goals by applying strategies tailored to their unique situations. His professional experience encompasses investment consulting and financial advisory services. Outside of his professional work, Garrett has personal interests that include baseball, cooking and baking, family activities, golf, parenthood, and traveling.

Chelsea Carlton is a financial advisor with Charles Schwab holding Series 66 and Series 63 licenses and five years of industry experience. She has worked at Charles Schwab since 2023 and previously was employed by TD Ameritrade from 2020 to 2023. Outside of finance, she has experience in the restaurant industry, including roles at Katie's Pizza and Pasta Osteria and Water Grill. Charles Schwab & Co., Inc. serves a large client base of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary advisory services and discretionary separately managed accounts overseen by an affiliate. The firm’s integrated structure provides centralized custody and order-routing, multi-asset model portfolios, and access to alternative investments.

Liam Powers is a financial advisor at Charles Schwab with 7 years of industry experience. He holds Series 66 and Series 63 licenses and has worked at Charles Schwab Bank, Charles Schwab & Co., and TD Ameritrade, among other firms. 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 affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts, utilizing multi-asset model portfolios and a centralized operational structure.

Jerald Henderson is a financial advisor with LPL Financial in San Mateo, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He previously worked at Securian Financial Services and Link Allen/Secure Futures from 2004 to 2020. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios from LPL Research and third-party subadvisors.

Paul Karson is a financial advisor with LPL Financial, holding a Series 63 designation and 35 years of industry experience. He has been with LPL Financial since 2009. Outside of his advisory role, he is involved with Karson Wealth Management. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and consulting services supported by model portfolios and research from both internal and third-party sources.