Moreen Latchman is a financial advisor at Wells Fargo Clearing with 20 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at J.P. Morgan Securities for 12 years before joining Wells Fargo Clearing in 2024. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans 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 broad range of investment options including insurance-related vehicles and bank deposit sweep programs.

Craig Meier is a financial advisor at Wells Fargo Clearing with 32 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Wells Fargo entities since 2009. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a fiduciary role when providing investment advice and a discretionary option for plan-level investment selection.

Ami Ibarra is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. She has been with J.P. Morgan Securities since 2012 and also works with JPMorgan Chase Bank, NA. Outside of her advisory role, she is involved in real estate investing and rents properties to young professionals in Africa. 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 institutional advisory services with brokerage and investment management capabilities.

Aaron Gabriel is a CFP® professional with 37 years of experience in the financial industry, currently affiliated with Raymond James Financial. He has been associated with Raymond James Financial Services Advisors Inc. and The Gabriel Group since 2014. Outside of his advisory work, he is also a singer, songwriter, and recording artist involved with Rocky Michaels Music. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm provides tailored, non-discretionary consulting using analytical tools and supports its clients through advisory programs and institutional consulting across a large advisor network.

Edward Rusnak is a financial advisor with OSAIC, holding a Series 66 designation and bringing 21 years of industry experience. He spent 20 years with Lincoln Financial Advisors before joining OSAIC in 2025. Outside of advisory work, he conducts personal financial educational seminars as an instructor for local employee assistance programs. OSAIC serves a broad range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of advisers and advisory platforms. The firm employs asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to manage diversified portfolios across various asset classes and offers integrated brokerage, advisory, and third-party managed account services.

Erik Swoope is a financial advisor at Raymond James Financial with two years of industry experience. He holds the Series 66 designation and previously worked at Morgan Stanley and its Private Bank division. Outside of his advisory work, he coaches middle school to college-aged students in football and basketball and co-owns a hair salon in San Ramon, California. 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, institutions, and charitable organizations. The firm utilizes tailored, non-discretionary planning supported by analytical tools and emphasizes a broad range of advisory programs and institutional consulting services.

Chris Held is a financial advisor with LPL Financial in Walnut Creek, CA, holding CFP® and Series 66 credentials and bringing 22 years of industry experience. Prior to joining LPL Financial in 2019, he worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney from 2012 to 2019. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including 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, and retirement plan consulting, with access to model portfolios, research, and various investment and portfolio management strategies.

Simon Knight is a Series 66-registered financial advisor with Edward Jones, based in Alamo, CA, and has one year of industry experience. He worked for Easter Seals Northern California/Catalight for ten years prior to joining Edward Jones. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a nationwide network of more than 23,700 financial advisors.

Gary Klein is a financial advisor with LPL Financial in Hayward, CA, holding Series 63 and Series 65 credentials and bringing 15 years of industry experience. His prior roles include positions at Trilogy Capital, Inc., National Planning Corporation, and Trilogy Financial Services. He also serves as an insurance agent specializing in universal life and term policies. 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, retirement plan consulting, and brokerage services, with both discretionary and non-discretionary management supported by model portfolios and research from internal and third-party sources.

Alan Bynum is a financial advisor with Raymond James Financial, holding a Series 63 designation and 37 years of industry experience. He has worked at Raymond James since 1999 and also has roles with Borman Financial and California Pacific Medical Center. Outside of advisory duties, he is involved in managing Borman Wealth Management and serves as a trustee and executor for client trusts under specific conditions. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning using analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Wei Qian is a financial advisor at Merrill with a Series 66 designation and no prior industry experience. Their career includes roles at Bank of America, N.A. since 2026, Merrill since 2025, and prior banking experience at Bank of Jiangsu from 2012 to 2023. Wei Qian also has a background involving work with the San Francisco Chinese Seventh-day Adventist Church and Hult International Business School. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional entities, utilizing both internal and third-party managers.

Khoa Le is a financial advisor with Charles Schwab, holding Series 63 and Series 65 licenses and nine years of industry experience. He previously worked at Wells Fargo Clearing Services LLC and Wells Fargo Bank NA before joining Charles Schwab in 2025. Outside of his advisory role, he engages in ride-sharing and food delivery services as an Uber driver. 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. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, supported by centralized custody and operational infrastructure.

Christopher Mcclure is a financial advisor at OSAIC with 31 years of industry experience. He previously worked at Lincoln Financial Advisors Corporation for 31 years before joining OSAIC in 2025. Mcclure holds a Series 63 designation and is involved in the life settlements business through approved vendors. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and investment advisory services supported by a range of tools and third-party platforms.

Clark Geranen is a financial advisor with LPL Financial, holding a Series 66 designation and six years of industry experience. He previously worked at Cordoba Corporation and Parsons Corporation. LPL Financial serves individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives, offering financial planning, advisory programs, retirement consulting, and brokerage services. The firm provides discretionary and non-discretionary management with access to model portfolios, research, and a range of strategic and tactical investment approaches.

Russell Lin is a financial advisor with Charles Schwab in Pleasanton, CA, holding the Series 66 designation and with seven years of industry experience. He has worked at Charles Schwab Bank, SSB since 2020 and Charles Schwab & Co., Inc. since 2018. Charles Schwab & Co., Inc. serves a large client base 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 offers both non-discretionary investment guidance and access to discretionary separately managed accounts, combining multi-asset model portfolios with centralized supervisory and custody arrangements.

Lin Shen is a Wealth Management Advisor at Merrill Lynch Wealth Management. With over 20 years of experience in the financial industry, Lin is committed to helping clients understand and improve their financial condition to pursue their personal goals with confidence. Lin focuses on connecting all aspects of clients' financial lives to prioritize and pursue the goals that matter most to them. Lin's areas of expertise include executive compensation, equity compensation services, family wealth management strategies, services for endowments, foundations, and non-profits, international wealth management, legacy planning, managing new wealth, personal retirement planning, women and wealth, and tax minimization. Lin holds a Master's Degree from the University of Arizona and has earned the CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA) designations. Lin is fluent in Mandarin, Yue (Cantonese), and English. Outside of work, Lin enjoys gardening, hiking, reading, running, spending time with family, and traveling. Lin also participates in community volunteering, reflecting a commitment to the communities served.

Zhaolin Kang is a financial advisor at Wells Fargo Clearing with eight years of industry experience. He holds the Series 66 designation and previously worked at JP Morgan Securities, JP Morgan Chase Bank, Bank of America, and Merrill. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a range of investment options such as money market funds, collective investment trusts, mutual funds, group annuity contracts, and bank deposit sweep programs.

Kinley Wong is a financial advisor at OSAIC with 25 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for Lincoln Financial Advisors for 24 years. In addition to his advisory role, he is an insurance agent involved in the sale of accident and health insurance, disability insurance, long-term care insurance, fixed/indexed annuities, and life settlements. OSAIC serves a broad client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers, utilizing firm-provided asset-allocation tools and multiple platforms to construct customized portfolios.

Peter Torchia is a financial advisor with Merrill in Pleasanton, CA, holding Series 63 and Series 65 credentials and bringing 51 years of industry experience. He has worked at Merrill since 1985 and at Bank of America since 2009. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and various institutional investors.

Courtney Chynces is a financial advisor at Cambridge Investment Research Advisors with 18 years of industry experience. She holds a Series 66 designation and has worked previously at Jackson National Life Distributors and United Planners Financial Services. Chynces serves as a board member for Oakridge Village HOA and is involved with Proxy Freedom. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base including individual investors, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing a range of portfolio management strategies across multiple custody platforms.