Jonathan Noriega is a financial advisor at Edward Jones in San Carlos, CA, holding a Series 66 designation with seven years of industry experience. His prior roles include positions at Wells Fargo Clearing, Morgan Stanley Advisors, and BDO USA LLP. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with approximately $1.01 trillion in assets under management. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

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 39 years of industry experience. She previously worked at Lincoln Financial Advisors Corporation, Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and MetLife Securities Inc. She also spends time managing a Pacific Wealth Management Group business affiliated with LPL and is involved in selling fixed insurance and fixed annuities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, 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 across discretionary and non-discretionary accounts.

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 since 2014. Based in San Francisco, CA, his work primarily involves serving institutional clients through the firm’s advisory programs. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and includes capabilities in derivatives and commodities through its broader regulatory registrations.

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 with Merrill in San Francisco, CA, holding a Series 66 designation and seven years of industry experience. Her prior roles include positions at Fidelity Investments, Prudential Advisors, and Perigon Wealth Management. 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, pension plans, corporations, and charitable organizations.

Kathryn Holland is a CFP® with nine years of experience in the financial services industry. She has worked at LPL Financial since 2023 and previously held roles at Fremont Bank, Edward Jones, International Research Securities, Inc., and APEX Movement. Outside of her advisory work, she is involved in youth hockey through scorekeeping and coaching and operates an Etsy store as a designer and creator. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of investment solutions, including model portfolios, third-party asset management, and institutional platforms, supported by technology tools and a broad network of advisors.

Robert Wheeler is a financial advisor with Charles Schwab & Co., Inc. in Daly City, CA, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has worked at Charles Schwab since 2019 and previously spent two years with Wells Fargo Clearing. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals, offering advisory, brokerage, custody, and financial planning services through its Schwab Wealth Advisory wrap fee program. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and employs a multi-asset strategic allocation approach with periodic reviews and research-backed due diligence.

Wendell Graham is a financial advisor with J.P. Morgan Securities in San Carlos, CA, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Morgan Stanley and Edward Jones. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory approach combines systematic quantitative screens with qualitative research and incorporates ESG eligibility frameworks in its recommendations.

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 at J.P. Morgan Securities based in San Francisco, CA, with 13 years of industry experience. He holds Series 63 and Series 66 credentials and has worked across various divisions of JPMorgan Chase since 2015. 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 searches, and customized performance reporting. The firm combines systematic quantitative screening with qualitative research to develop model asset allocations and incorporates ESG eligibility frameworks in its recommendations.

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.

Jack Hoang Nguyen is a financial advisor at Morgan Stanley in San Mateo, CA, holding a Series 66 designation with one year of industry experience. Prior to joining Morgan Stanley, he spent five years at X3 Dynamic Machining Inc. and another five years at Bayside Poke. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a variety of advisory programs and financial planning services that utilize structured discovery processes and proprietary planning tools.

Eric Kuhns is a financial advisor with Cambridge Investment Research Advisors, holding Series 66, Series 65, and Series 63 licenses and bringing 13 years of industry experience. He has worked at several firms, including The Pacific Financial Group, Inc., Monarch Financial Solutions, and Centaurus Financial, Inc. Kuhns is also involved with Monarch Financial Solutions as an investment advisor representative. Cambridge Investment Research Advisors, Inc. serves a diverse client base, including individuals and institutional clients such as pension and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm supports both discretionary and non-discretionary management and provides access to multiple platforms, third-party advisers, and proprietary 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, holding a Series 66 designation and 12 years of industry experience. She has worked at LPL Financial since 2019 and has prior experience at First Allied Advisory Services and McKinley Financial Group. In addition to her advisory role, she conducts retirement seminars focused on client education. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment solutions, utilizing both proprietary research and third-party strategies across discretionary and non-discretionary accounts.

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.