Ronald Patrick Lynch is a Certified Financial Planner® with nine years of experience in the financial services industry. He is currently with Morgan Stanley in Burlingame, CA, having previously worked at UBS Financial Services and Fidelity Brokerage Services. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through corporate financial planning agreements.

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 with Charles Schwab in San Mateo, CA, holding Series 66 and Series 63 licenses and having 14 years of industry experience. She has been with Charles Schwab and Charles Schwab Bank since 2014 and 2015, respectively. Tran serves as a board member of The Women's Building, a nonprofit organization focused on building a diverse and supportive community of women in San Francisco. Charles Schwab serves a large client base, 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 offers a combination of non-discretionary and discretionary investment solutions with a focus on multi-asset model portfolios and centralized operational support.

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 serving as a financial advisor at LPL Financial. His prior experience includes roles at Western International Securities, Inc., Financial West Group, and MSI Financial Services, Inc. He operates Ketcham Capital, an affiliated business related to his advisory practice. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies supported by proprietary research and technology.

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® professional with 22 years of industry experience, currently serving at J.P. Morgan Securities. His career includes roles at JPMorgan Chase Bank, N.A., Chase Investment Services Corp., and Wamu Investments, Inc. He was also involved with Turo in 2025. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process incorporates centralized due diligence and utilizes both quantitative and qualitative research.

Cristina Triantos is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 18 years of industry experience. She has worked with Wells Fargo Bank, N.A. since 2006 and Wells Fargo Clearing since 2016. Outside of her financial advisory role, she sells personal clothing items on Poshmark. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

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, including a long tenure at Securian Financial Services, Inc. and Minnesota Life. Outside of his advisory work, he has been involved with the City of Palo Alto Parks & Recreation Department. 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 a network of over 22,000 advisors.

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 in San Mateo, CA, holding the ChFC® designation along with Series 63 and Series 66 licenses. Fung has 19 years of industry experience and has been with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2011. Outside of advising, Fung is active as an independent insurance agent for various companies and is involved in sales and marketing for a separate business. Cambridge Investment Research Advisors serves a broad mix of individual and institutional clients, including pension and charitable organizations, by providing financial planning, ongoing investment management, retirement-plan advisory, and wrap-fee programs. The firm operates through thousands of financial professionals and manages a multi-billion dollar asset base with access to multiple platforms and custodians.

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 63 and Series 66 licenses and six years of industry experience. Her prior work includes roles at TD Ameritrade and various positions in the hospitality sector. 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 offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by an integrated operational structure and multi-asset investment models.

Liam Powers is a financial advisor at Charles Schwab with seven 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, as well as Moody’s Analytics. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

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, spanning 22 years before joining LPL Financial in 2020. 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 portfolios, third-party asset management, and institutional platforms, with advice and account management primarily conducted through a network of investment adviser representatives.

Paul Karson is a financial advisor at LPL Financial with 35 years of industry experience. He has worked at LPL Financial since 2009 and previously spent four years at U.S. Bancorp Investments, Inc. Karson is a Series 63 license holder. 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 range of financial planning and portfolio management services, utilizing both proprietary and third-party strategies across discretionary and non-discretionary accounts.