Sara Balk is a financial advisor at Charles Schwab with one year of industry experience. She holds a Series 66 designation and has worked at Charles Schwab and Charles Schwab Bank since 2024. Prior to joining Schwab, she held positions at Equinox, Chapman University, Sur La Table, and Nekter Juice Bar, alongside several years in education. 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 and discretionary investment guidance, utilizing multi-asset model portfolios and access to alternative investments within an integrated, large-scale operational structure.

Andrew Le is a financial advisor with UBS Financial Services in Palo Alto, CA, holding the Series 66 designation and over 25 years of industry experience. He has been with UBS Financial Services Inc. since 2008. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and provides proprietary research and capital markets solutions.

Philip Horowitz is a financial advisor with Morgan Stanley in San Mateo, CA, holding Series 63 and Series 65 licenses and with 20 years of industry experience. His career includes roles at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney from 2012, and WHV Investments, Inc. from 2007 to 2012. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and combines structured planning tools with broad retail and institutional investment offerings.

Paige Skrabo is a financial advisor at Morgan Stanley with a Series 66 credential and one year of industry experience. Before joining Morgan Stanley, Paige worked at Free People for three years and attended San Diego State University. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and its Estate Planning Strategies Group.

Kate Martinez is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since beginning her career in financial services in 1998, she has developed expertise in financial planning, portfolio management, and retirement income strategies. Prior to joining Merrill Lynch in 2008, she spent eight years at Wells Fargo Investments where she served affluent clients in managing their financial assets. Kate's approach involves thoroughly understanding her clients' personal and financial needs to establish objectives and develop customized strategies addressing both short-term and long-term concerns. She conducts regular quarterly reviews and annual financial planning audits to ensure clients remain on track to meet their financial goals. She collaborates closely with clients' attorneys, accountants, and insurance professionals to support an attainable path toward their objectives. Kate holds a Bachelor's degree in Finance and Accounting from San Francisco State University. She has earned the CERTIFIED FINANCIAL PLANNER® designation awarded by the Certified Financial Planner Board of Standards, Inc., and the Chartered Retirement Planning Counselor™ designation from the College for Financial Planning Institutes Corp. Fluent in Mandarin and Cantonese, Kate volunteers at her children's school and enjoys spending time with her family, hiking, cooking, and gardening.

Rory Laczkowski is a financial advisor with Charles Schwab in San Francisco, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has been with Charles Schwab since 2000 and Charles Schwab Bank since 2008. 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 offers a combination of non-discretionary investment recommendations and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a formal alternative investment process.

Zachary Lopes is a financial advisor at Charles Schwab with two years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab Bank, SSB and Charles Schwab since 2023. Prior to his career in financial advising, he spent ten years as a student. 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 and offers multi-asset model portfolios supported by in-house research and alternative investment options.

Ana Le is a financial advisor at Wells Fargo Clearing with 19 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at U.S. Bank, U.S. Bancorp Investments, Inc., and Unionbanc Investment Services. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research and analytics with diversification principles and modern portfolio theory in its investment approach.

Barbara Erickson is a financial advisor at Wells Fargo Clearing with 26 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, following prior roles at Wells Fargo Investments and Banc of America Investment Services. Erickson serves on the investment committee of the Grace Lutheran Church Endowment in Palo Alto. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients through investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute and third-party sources.

Benigno Gonzalez is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Merrill, Comerica Securities, and Charles Schwab. Outside of his advisory work, he owns a rental property. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm supports its advisory process with centralized due diligence and employs a range of investment strategies, including ESG considerations.

Ronald Greenberg is a financial advisor at Cetera with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including LPL Financial and Prudential Equity Group. Greenberg also operates RG Financial, a financial services business. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with access to both affiliated and unaffiliated third-party managers.

Andrew Andrikopoulos is a financial advisor at Ameriprise with 36 years of industry experience. He holds the Series 63 and Series 65 credentials and has worked at Ameriprise since 2011. Outside of his advisory role, he is a co-owner of Andrikopoulos Chiochios Accountants LLP, a tax preparation business. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning that includes written recommendation reports and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Denise Downs is a financial advisor with OSAIC in San Francisco, CA, holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. Her prior firms include Securities America Advisors and KMS Financial Services. Outside of advisory work, she coaches club volleyball for the San Francisco Tremors Volleyball Club and is involved in life, health, and annuity sales through her own business. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporations, offering both brokerage and advisory services. The firm utilizes model-based asset allocation and portfolio optimization, supported by various investment programs and third-party managers on a multi-advisor platform.

Ryan Lee is a financial advisor with Ameriprise in San Ramon, CA, holding a Series 66 designation and 25 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, utilizing a centralized consulting team to provide detailed, non-discretionary recommendations that incorporate research, modeling, and tax-efficiency analysis. The firm also provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Dante Collins is a Series 66-credentialed financial advisor with six years of industry experience, currently working at Morgan Stanley in Menlo Park, CA. He has been with Morgan Stanley Smith Barney LLC since 2020 and Morgan Stanley Private Bank, N.A. since 2021. Outside of his advisory role, Collins has been involved with organizations focused on mental health and developmental disabilities, including YAI CA START and Autism Living Leisure Education and Nurturing. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs structured planning methodologies and offers a variety of investment and advisory solutions across retail and institutional sectors.

Jarrod Dill is a financial advisor at Morgan Stanley in San Francisco, holding Series 63 and Series 66 licenses with 27 years of industry experience. He has worked at Morgan Stanley since 2023 and previously spent over a decade at E*TRADE Capital Management and E*TRADE Securities. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process that incorporates firm-approved tools and scenario modeling.

Mark Beach is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. His prior roles include positions at First Republic Investment Management, Bank of America, and Merrill. Outside of his advisory work, he is the owner of a for-profit business focused on rental property. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program that emphasizes written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and may incorporate an ESG eligibility framework.

Nicholas Anderson is a financial advisor with J.P. Morgan Securities in Pacifica, CA, holding Series 63 and Series 66 licenses and possessing nine years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2019 and previously held roles at Wells Fargo Clearing Services and Wells Fargo Bank. Outside of financial services, he was involved with La Costanera for ten years. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their advisory process includes written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a focus on eligible investment strategies.

Jonathan Tran is a financial advisor at Fisher Investments in San Mateo, CA, holding a Series 65 credential with 13 years of industry experience. He has been with Fisher Investments since 2011. Fisher Investments serves a diverse global client base including institutional and private clients such as pension plans, foundations, investment companies, and high-net-worth individuals. The firm offers discretionary portfolio management with a centralized investment approach that combines quantitative and qualitative research to construct diversified portfolios across equity, fixed income, and blended mandates.

Jean Fan Ning is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 24 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously spent nine years with Wells Fargo Investments, LLC. 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, utilizing research and analytics from Wells Fargo Investment Institute and third-party databases.