Phuong Hart is a Series 66 licensed financial advisor with five years of industry experience, currently practicing at Edward Jones since 2021. Prior to joining Edward Jones, Hart worked at Wells Fargo Bank for six years. Outside of finance, Hart assists with administrative duties for a kitchen and bath design business in Roseville, California. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of financial advisors and branch offices.

Caryn Augst is a CFP® professional affiliated with LPL Financial, bringing 38 years of industry experience. Her prior roles include positions at MetLife Securities Inc., Massachusetts Mutual Life Insurance Company, Lincoln Financial Advisors Corporation, and Mass Mutual Investors Services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, 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, with both discretionary and non-discretionary management options supported by research and various portfolio management strategies.

Ronald Castellanos is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities and JP Morgan Chase Bank, N.A. since 2014. J.P. Morgan Securities LLC provides institutional consulting services to clients such as 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 combines large institutional advisory operations with affiliated brokerage, distribution, and investment management capabilities.

Ryan Nicholas is a Financial Consultant currently working at Fidelity Investments since 2023. He specializes in providing customized financial planning and guidance tailored to the unique circumstances and aspirations of individuals and families. Ryan has experience in various roles within the financial services industry, including positions as an Executive Relationship Manager and Financial Consultant at E*TRADE from Morgan Stanley between 2021 and 2023, as well as serving as a Financial Advisor Associate at Merrill Lynch from 2020 to 2021. He holds a California Insurance License.

Sven Geffken is a CFP® professional with nine years of industry experience, currently serving at Edward Jones since 2017. Prior to joining Edward Jones, he worked at McKinsey & Company from 2015 to 2017. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of discretionary and non-discretionary investment strategies, including managed solutions and separately managed accounts, and operates under a fiduciary standard.

Sherman Lee is a Wealth Management Advisor at Merrill Lynch Wealth Management, bringing over two decades of experience in the financial services industry. Since joining Merrill in 2002, Sherman and his team have provided clients with personalized wealth planning and access to comprehensive banking solutions from Bank of America. His expertise includes corporate benefit programs such as equity compensation, defined benefit, defined contribution, and nonqualified deferred compensation plans, supporting corporate executives in integrating these benefits into long-term financial strategies. Sherman has specialized knowledge in areas including college education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, portfolio management services, tax minimization, and retirement income. He earned a Bachelor's Degree from the University of California System and holds professional designations including Certified Investment Management Analyst (CIMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Sherman is fluent in English and Chinese. Outside of his professional work, Sherman is interested in adventure sports, hiking, running, softball, and traveling. He emphasizes a client-focused approach supported by a skilled team and leverages Merrill’s resources to help clients achieve their financial goals.

Jacqueline Cohen is a financial advisor at Merrill with seven years of industry experience and holds a Series 66 designation. Her prior experience includes roles at Fidelity Investments, Perigon Wealth Management, Prudential Advisors, and AXA Advisors. Merrill provides managed account services through the Select Portfolio Solutions Program, serving individual, high-net-worth, pension, profit-sharing, corporate, and charitable clients with a range of model-based and discretionary investment strategies.

Kathryn Holland is a CFP®-credentialed financial advisor with nine years of industry experience. She is currently with LPL Financial and has previously worked at Fremont Bank, Edward Jones, International Research Securities, Inc., and APEX Movement. Outside of finance, she is involved in youth hockey as a scorekeeper, referee, bartender, and coach, and also operates an Etsy store as a designer and creator. LPL Financial serves a broad range of clients including individuals, retirement plans, banks, and charitable organizations through a national network of investment adviser representatives. The firm offers various financial planning and advisory programs, utilizing discretionary and non-discretionary management supported by proprietary and third-party research.

Robert Wheeler is a financial advisor at Charles Schwab with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Wells Fargo Clearing and Charles Schwab. Charles Schwab & Co., Inc. serves a large client base primarily composed 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 a combination of non-discretionary and discretionary investment guidance, leveraging multi-asset model portfolios and due diligence on alternative investments, supported by a centralized operational structure.

Wendell Graham is a Series 66-registered financial advisor with five years of industry experience, currently affiliated with J.P. Morgan Securities in San Carlos, CA. His prior experience includes roles at Morgan Stanley and Morgan Stanley Private Bank. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset-allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program.

Kov Tallam is an Investment Consultant at Fidelity Investments, a role he has held since 2026. He previously served in various positions at Fidelity Investments, including Planning Consultant from 2025 to 2026, Relationship Manager from 2024 to 2025, and Financial Representative from 2023 to 2024. In his professional work, Kov focuses on co-creating financial plans tailored to his clients' individual goals and circumstances. He employs a dynamic and precise approach to financial planning, aiming to provide objective and pragmatic guidance. Kov holds a California Insurance License. Outside of his professional life, Kov has interests in art, the beach, board games, cooking and baking, fitness, and soccer.

Michael Lam is a financial advisor with J.P. Morgan Securities in San Francisco, holding Series 63 and Series 66 credentials and bringing 13 years of industry experience. He has worked at various divisions of JPMorgan Chase since 2015, including JPMorgan Securities LLC and JPMorgan Chase Bank, N.A. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its advisory process.

Po Teng is a CFP® with four years of industry experience, currently serving as a financial advisor at Fidelity in San Francisco. His prior work includes roles at JPMorgan Chase Bank, Bank of America, Merrill, and Brio Financial Group. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage diversified portfolios and funds.

Lin Qian Shao is a financial advisor at UBS Financial Services with a Series 66 designation and five years of industry experience. Prior to joining UBS in 2021, Shao worked at TD Ameritrade and has a background that includes roles in retail and nonprofit sectors. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining proprietary capital market research with model-based asset allocations to tailor financial plans. The firm operates with a broad range of capabilities, including fiduciary fee-based financial planning, discretionary portfolio management, and institutional trading activities.

Eric Kuhns is a financial advisor at Cambridge Investment Research Advisors with 13 years of industry experience. He holds Series 63, Series 65, and Series 66 credentials. His prior experience includes roles at The Pacific Financial Group, Inc. and Monarch Financial Solutions. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, and charitable organizations, offering financial planning, investment management, and retirement plan advisory services through a network of independent professionals. The firm provides both discretionary and non-discretionary investment solutions across multiple platforms and maintains proprietary and third-party model strategies.

Andy Chan is a financial advisor at Charles Schwab with six years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at First Republic Bank and JPMorgan Chase in various capacities. Charles Schwab serves a large client base, primarily high- and ultra-high-net-worth individuals, offering advisory, brokerage, custody, and financial planning services through its Wealth Advisory wrap fee program and affiliated managed-account solutions. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and employs multi-asset model portfolios supported by comprehensive research and due diligence.

Lauren Sagan is a financial advisor with LPL Financial in Redwood City, CA, holding a Series 66 designation and 11 years of industry experience. She has worked at LPL Financial since 2019 and previously spent several years with First Allied Advisory Services and McKinley Financial Group. Outside of advisory services, she conducts retirement seminars titled Rejuvenate Your Retirement. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, and retirement plan consulting, utilizing discretionary and non-discretionary management with access to research, model portfolios, and technology-driven investment strategies.

Tod Spring is a financial advisor at Spring Capital Management in San Mateo, CA, holding a Series 65 designation with 8 years of industry experience. He has been with Spring Capital Management since 2008, overseeing the firm's advisory services. Spring Capital Management provides discretionary portfolio management to individual clients, managing approximately $17.4 million in assets across 38 client relationships. The firm emphasizes ongoing portfolio management and compliance, with detailed disclosures on investment strategies, performance-based fees, and regulatory requirements uncommon for firms of its size.

Darrell Young is a CFP® professional with 22 years of industry experience, currently serving as the sole advisor at Poplar Global Wealth Management LLC. He has held roles at Karmeq LLC and Mutual Securities, Inc., and owns Poplar CPA and PGWM Multi-Family Office Services, both providing CPA and investment-related services. Poplar Global Wealth Management LLC advises individuals, pension and profit-sharing plans, and business entities through wrap-fee portfolio management and pension consulting. The firm combines fundamental and technical analysis with a range of investment strategies and integrates accounting credentials and broker-dealer affiliations to offer a distinctive service model.

Robert Balopole is a CFA® charterholder and the principal of Balopole Investment Management Corporation in San Mateo, CA, with 26 years of industry experience. He has led his independent firm since 2000. Balopole Investment Management Corporation provides investment advisory and portfolio management services primarily to individual clients, managing approximately $31.8 million across 34 accounts. The firm emphasizes fundamental analysis and longer-term purchase strategies and offers ongoing investment supervision and regular account oversight. Additionally, the firm publishes a subscription-based periodical, which is uncommon among independent solo advisers.